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

On XX/XX/2019 my Capital one Credit card was billed {$13.00} for Prime Membership by XXXX XXXX which was later credited to the said account because I cancelled and joined up through a family. 
I was receiving constant notices online since XX/XX/XXXX by Capital one that my account has missed payment and later, late payment to which interest was added.I have electronically replied to these notices without any reply in return so I printed these letter written and mailed them out to the dispute department on XX/XX/2019, XX/XX/2019 and a registered mail, mailed on XX/XX/2019 with all the proof given. 
Capital one later sent my account into collection on XX/XX/2019 and reported this to the three major credit bureaus with a late payment balance of {$94.00} which they said was reported a ccurately. 
I later found out that they closed the account for being more than 90 days late. 
Below i have added the letter sent to me by the billing company .XXXX .
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 XXXX, and Equifax to reinvestigate this account : XXXX XXXX : # XXXX. 

However, they stated everything was complete and accurate. 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. I have evidence to prove my case I wants this account deleted ASAP!!!!
Product: Credit reporting or other personal consumer reports

EXPERIAN KEEP MESSING WITH MY CREDIT SCORE FOR NO APPARENT REASON! I AM SO SICK AND TIRED OF THIS CREDIT BUREAU. I DO NOT UNDERSTAND THE FUEDING HERE, BUT I WILL KEEP FIGHTING THEM AS LONG AS THEY ARE VIOLATING ME FOR NO REASON. WTH..IS WRONG WITH THE PEOPLE THAT RUNS EXPERAIN. I DO NOT CARE XXXX IS THERE PROBLEM BUT EXPERIAN HAD BETTER FIND ANOTHER CONSUMER TO KEEP # # # # # WITH. OK... I DO NOT UNDERSTAND THE HOSTILLITY. EXPERAIN IS RETAILATING AGIANST ME OK. CPA MAKE THIS BS STOP! I WILLNOT KEEP TOLERATING THIS UNNECESSARY ABUSE OF BEHAVIOR FROM EXPERIAN. THERE IS NO REASON FOR THIS! IF THIS RETALIATION IS BECAUSE I AM GETTING READY TO SUE THE XXXX OUT OF THIS BUREAU, THEN EXPERIAN JUST NEEDS TO LEAVE MY CREDIT REPORTS ALONE! I HAVE DONE NOTHING TO EXPERIAN .. EXPERAIN XXXX FOR NO REASON SCREWING WITH ME AND I AM NOT HAVING THIS HARASSMENT FROM EXPERAIN XXXX AS OF TODAY, EXPERIAN GETS BACK AT ME BECAUSE I CONTACTED CONSUMER PROTECT TO FILE COMPLAINTS AGAINT EXPERIAN FOR HARASSMENT, VIOLATIONS OFMY BAKRUPTCY AND VARIOUS OTHER THINGS. I AM SO GLAD MY BANKRUPTCY HAS NOTIFIRED ME AND IS NOW GETTING INVOLVED TO STOP EXPERIAN. THIS IS THE MAIN REASON WHY I AM SUING THE EXPERIAN CREDIT BUREAU. EXPERIAN KEEPS BREAKING LAWS AND VIOLATING ME FOR NO APPARENT REASON. I HAVE NO IDEA WHO THESE PEOPLE THAT RUN THIS CREDIT BUREAU ARE PERSONALLY I DON'T GIVE NOT ONE DAMMM OK ... JUST MAKE EXPERIAN STOP THE HARASSMENT. 
AS OF TODAY, EXPERIAN STARTED RETAILATING AGAINST ME BY SCREWING WITH MY XXXX XXXX? WHY ... FILING DISPUTES HAS NOT XXXX XXXX XXXX TO DO WITH THE CHANGES IN MY XXXX XXXX AT EXPERIAN. XXXX EXPERIAN DROP MY SCORE XXXX POINTS FOR? 
AS OF TODAY, I AHD A XXXX XXXX OF XXXX AND NOW AS OF TODAY MY XXXX XXXX DROPS TO A XXXX? FOR WHAT? I'VE DONE NOTHING WRONG! PLEASE ASK XXXX WHY... YOU KNOW CONSUMERS CAN NOT REACH THESE FAKE XXXX PEOPLE ON PHONE OK... THIS CREDIT BUREAU EXPERIAN IS FACING DANGERIOUS WATERS .... EXPERIAN BROKE LAWS BY WORKING XXXX WITH OTHER CREDITORS TO PURPOSLEY RUIN ME WHY... THERE IS NO REASON FOR THIS MESS. XXXX THIS XXXX! CONSUMER PROTECTION WHERE THE XXXX IS MY PROTECTION FROM YOU? WHERE ... THIS RETAILATION EXPERIAN IS STRICKING AGAINST ME IS UNNECESSARY. THIS IS ELDER ABUSE AND I AM NOW GOING TO GET IN TOUCH WITH DEPT. OF JUSTICE CIVIL RIGHTS DIVISION TO PUT A COLD STOP TO THIS UNNECESSAY HARRASSMENT FROM XXXX. CPA YOU HAD BETTER STOP THIS HARASSMENT FROM EXPERIAN ITS YOUR RESPONSIBILITY!
Product: Student loan

i became XXXX in 2008, i got {$120000.00} in federal student loans discharged due to this XXXX. My only income is Social Security XXXX {$1300.00} a month and am below the poverty level and can not afford any payments on private student loans. I made multiple attempts at small monthly payment but have since been unable. An original {$6000.00} dollar loan has grown into over {$32000.00} with fees and interest. My mother was cosigner and she to has retired and recieves only Social Security, both of our credit reports have been ruined and I am looking for loan forgiveness and restitution of credit reports.
Product: Vehicle loan or lease

XX/XX/2018 WELLS FARGO BANK AUTO made a hard inquiry when I was looking for a pre-qaulifying loan. no credit report was send to me and I never actually finish the application and they still did a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account on behalf of XXXX XXXX   which was being reported by XXXX and TransUnion. I currently have service with company, so contacted XXXX to question this. They had no past due account with my SSN. My ongoing service account is current. 

I then contacted XXXX. The reporting was corrected within 48 hours. I contacted TU by phone ( the website was down ) to file a dispute. I havent been able to check the status of this dispute because weeks later the website for disputes is still down. The account is now reporting as paid on TU - I know this account cant be verified but I have no way of finding out what has been done by TU.
Product: Mortgage

I was charged a delay fee. The delay was the fault of Cardinal Financial. But they charged me a late fee. 
First, I sent numerous emails and faxes with my information. I was told that they did n't receive it despite fax confirmations. 
Second, I was told my Cardinal that everyone was on vacation and they could n't work on my mortgage approval. 
Third, I was told on the day that my mortgage was supposed to close and I did n't have a choice I was backed into a corner. Their practices are criminal. 
My other issue is that it took XXXX months for them to give me back the funds that they were supposed to use for my property. They did n't pay it on time. So, I had to pay it. I called and wrote numerous times to get the money back. It took hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX And This Is The Second Time I'm Writing This Complaint I am a victim of identity theft i have Sent In My Police Report And FTC Report To Experian Over And Over I Even Call Experian Spoke To A Person By The Name Of XXXX XXXX From The Fraud Department Which Was Very Rude To Me! This Account Experian Is Reporting On My Credit Does Not Belong To Me XXXX XXXX XXXX Account number XXXX {$14000.00} Experan Claiming That The Account Is Verifed But They Never Showed Me Proof Of Verification Because This Fraudulent Information And Don't Belong To Me Very Disapointed With The Way Experian Has Been Handling My Report I've Sent My Police Report And Ftc Report PLEASE REMOVE THIS ADDRESS FROM MY REPORT I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 Unauthorized inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

venmo keeps fooling me around in order to prevent me to access my money! 
they keep freezing and unfreezing my account. they dont allow me to add any bank so I cant withdraw my funds! they ignore support emails or send stupid exuces they are holding {$3900.00} currently and cant add my bank to withdraw! 
scammers!
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a credit card with Citi Cards. 

I was approved for the card in XX/XX/XXXX. 

I never received a credit card though. 

On or about XX/XX/XXXX - I received a statement for my credit card account. 

On XX/XX/XXXX - I called customer service at XXXX to notify them that i had NOT received a card and to make my payment. They accepted my payment of {$400.00} and stated that due to an error in their system the did NOT mail my credit card. 

On XX/XX/XXXX Citi Cards used XXXX  and sent my card. Citi Card sent my card to someone else 's address across the country XXXX miles away from me! This address was emailed to me to track my card. The card was delivered to someone else on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi Cards customer service to find out why! Customer service apologized, verified my address, canceled the card they delivered to someone else and said they would issue a new card. 

I asked to speak with a supervisor because I was concerned with their failure to keep my identity and financial information private and for mailing my card to someone else. 

When they transferred me to a supervisor he raised his voice at me and told me that the customer service representative already fixed it and he hung up on me.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), also I was never 60 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), and I was never 90 days late ( XX/XX/2014 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries on my credit report XXXX XXXX XXXX XX/XX/2021 M & T Bank Indir XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complaints to XXXX XXXX and transunion about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Product: Checking or savings account

The were several situations where there was unauthorized use of my account and they basically said oh well and it cost me my money and my account being charged along with me still owing a balance to Wells Fargo and my account being closed
Product: Debt collection

Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the inquiries in my file that resulted from an alleged identity theft but I have ITEMS left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And this is my 3rd complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this items in my credit file that resulted from an alleged identity theft. Below were the items that needed to be removed : EXPERIAN : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

On XXXX Credit Collection Services ( ccs ) reported a collection account to XXXX and XXXX Credit Bureaus stating that I owe them {$1100.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...
Product: Debt collection

I have been contacted multiple times from random phone numbers that when I call back are not the collection agency that is trying to reach me and they call multiple times throughout the day. As well as I am being contacted by a third party that does not own the debt I owe and they have been provided my personal information from the company that owns my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved for a credit card from upgrade through XXXX XXXX I thought I was getting a credit card and it said it would not affect my credit score but I got a personal loan instead and it did show up on my credit report and I thought I was getting the credit card through XXXX XXXX pre-approved
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Fraudulent billing sent for collection to Collection Recoveries. 
Statements attached show the balance amount of {$620.00} and not {$640.00}. 

Mr. XXXX XXXX from XXXX XXXX  office called me on XX/XX/XXXX to schedule my appointment with XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He informed me that he received the required authorization from XXXX XXXX for my visit. 

A few weeks after my visit XXXX XXXX informed me that the claim from XXXX XXXX was denied because he is out of network therefore, l requested the authorization XXXX XXXX office claim they received to schedule my doctors visit. After numerous calls they have not complied with my request. 

I filed an appeal with XXXX XXXX to help me rectify this situation for demand of payment for my office visit with XXXX XXXX on XX/XX/XXXX. Attached is the XXXX XXXX conversation log from the conference call with all parties which resulted in a hold of the collection process. 

According to XXXX XXXX they do not have a request from XXXX XXXX office requesting an authorization for my doctors visit which would have been paid if requested. 

I am therefore not liable to make this payment except for my copay of {$20.00} which I paid. 




XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan account with Avant. Avant is reporting the loan " current '' payment status as 120 days late. Although, this account has been included in my chapter XXXX bankruptcy petition. The current payment should reflect that it's included in bankruptcy. The company has had several chances to correct this information. I've filed several disputes and nothing has changed. 

Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Product: Mortgage

I refinanced my home to get away from Bank of America due to their poor customer service ( previous complaint filed by me through this service ). Due to the processing time with closing, I went ahead & made a payment to avoid any 30 day late reporting to the credit bureaus. Payment would have been received by BofA on or about XXXX XXXX. I called on XXXX XXXX to make sure they had received the payment and asked when my refund would be processed ( the XXXX payment plus some escrow balance ). They originally advised with would take a couple of weeks but I was able to get someone to get special authorization to release the escrow funds early and the check ( in excess of {$1100.00} ) was supposed to be processed and mailed to me the week of the XXXX. I phone BofA this morning to find out what date my check had shipped and was told it was made out to the wrong payee ( XXXX with BofA admitted the payee had absolutely XXXX connection to my account and it was not a business name that I recognized ) and so now the delay was waiting for those funds to be redeposited into my " account '' so they could issue the check to me properly. I asked if that was going to be done immediately and overnighted to me because they were not paying me any interest on my money that they are now holding without my permission yet I am paying interest on it elsewhere. XXXX was going to try to get it expedited and was going to see if perhaps it could be overnighted to me but that it might still take 3-5 business days.