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

On XX/XX/2023 I attempted to pay my Capital One Card ending in XXXX off, I paid {$2800.00}. On XX/XX/2023 I saw that my card had a balance of {$45.00}, I called Capital One and asked how much more was required to pay off the card? I expressed my goal was to stop paying interest, the agent told me XXXX something dollars was required. While on the phone with the agent I tried to pay that amount, and I received an error message stating I could only pay {$50.00}. When I told the agent I was not able to pay to XXXX something due to an error, he had no explanation. I requested a manager / supervisor, a female joined the call, and I told her I believe the agent was miscalculating the interest. I also explained I am employed by a major bank, and it is not that hard to provide a payoff amount. The alleged manager / supervisor told me she coached the agent on his error, and explained there was no way for them to provide me with a payoff amount. I told her that is not right, and I believe they are preventing me from paying the card off. I believe they are trying to take advantage of me financially, to keep the interest going. In my opinion Capital One is being deceptive! Capital One just like any other financial entity has the tools to provide a payoff amount. Please investigate Capital One, and their shady tactics to generate interest even when a customer tried to pay their account off.
Product: Student loan

Mohela transferred my account information to their new servicer website and now all of my previous payments are erased from their previous website and their new one. I plan on using XXXX after 120 qualifying payments and I worry that I just lost credit on approximately 3 years worth of previous ones.
Product: Credit card or prepaid card

On XX/XX/2020 I saw an offer on XXXX for an XXXX Mastercard ( offered by Synchrony Bank ) I believed to be very generous. " Receive a {$150.00} credit if {$500.00} is spent on XXXX in a 30 day period. Account must be opened between XX/XX/2020 and XX/XX/2020. Find out if you are approved in seconds ''. As a regular XXXX user and member I completed the online application to the final entry which asked for a phone number. A code would then be given for me to enter in the final part of the application. After providing a phone number, that code never came. After waiting a while I clicked on " cancel this step ''. 
A pop up then stated I would receive notification in 7-10 days, obviously outside of the promotional window. 
I then called customer service. They acknowledged receipt of my application and would review if I could hold for 3 minutes. A representative ( XXXX ) came back and told me they would send a call with the code and then call me after that to retrieve the code. I never received a call and had to go off to work. 3 hours later on break I tried customer service once again. I was told to hold for 3 minutes. The representative came back saying my application was sent to review and there was nothing they could do to help. I had asked if I would receive the promo offer and she said " most likely not ''. 
With a small window of time to open the account ( XXXX ) any applications not approved immediately would have no way of receiving the promotion. I suspect others were having this same issue and perhaps not just an innocent glitch in the system. My credit score is immaculate and there would be no reason for Synchrony to be leery of offering me credit. 

XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX
Product: Checking or savings account

My bank account was hacked, and someone has accessed my Username and Password to turn on my Debit Card. I was alerted by email, that they had breached the account. I then changed the Password, and ordered an new Debit Card. Also, I have had problems in the past. Someone used my debit card XX/XX/2022 to make a {$99.00} purchase from a fictitious XXXX XXXX. The same day I had made a legitimate purchase using the same debit card from the legitimate XXXX Website. Which indicates they know where I live, and my Wells Fargo Debit Card Number, and possibly XXXX  Number. They have also accessed the exact place ( XXXX ) that I'd made a purchase, and the exact amount I used the card to make a purchase for {$99.00}. Thank you for your attention to this matter. 

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

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$190.00} Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

To Whom It May Concern, I am writing to formally demand that you cease and desist all communication regarding the account referenced below and request its immediate removal from my credit report, as I have no knowledge of this account and did not authorize it. 
Account Information : Creditor Name : Capital One Account Number : XXXX Balance : {$550.00} Date Opened : XX/XX/year> I did not open this account, nor did I authorize any transactions associated with it. This account is fraudulent or has been reported in error, and I request that it be removed from my credit report immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I also request that you stop all further contact with me regarding this matter. Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting that this inaccurate information be deleted from my credit report. I expect this account to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) immediately. If this matter is not resolved, I will take legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursuing litigation. 
You are legally required to comply with this request. I expect a written confirmation within 30 days that this account has been deleted from my credit report and that all collection activity has ceased.
Product: Mortgage

Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender XXXX XXXX XXXX, reports to all three bureaus at the same time every month. The information they report is a snapshot of the last statement bill. The information for the month of XX/XX/2021 and XX/XX/2021 was and is being reported incorrectly by only one Credit bureau which is Equifax. I have disputed the inaccuracy three times, the last dispute still in process. 
Both previous dispute resolutions are stating that XXXX is reporting a {$3000.00} balance on my {$3000.00} Line of Revolving Credit ... this is inaccurate. My statement balance ( which I forwarded to them and XXXX XXXX department confirmed to me ... is showing {$1.00}. I've also talked to a representative from eOscar which is the company ( data transmission ) that is used to report from the lender side and investigate disputes from the bureau side, there is nothing they can do apparently. 
Equifax has also had to remove and report several collections and other debt, all of which they have not increased my score at all. 

This is beyond problematic. We are entrusting our lives to faulty companies with little to no consumer empathy as to how they are affecting our lives. This is not fair and has caused more XXXX XXXX and it's not necessary.
Product: Checking or savings account

I received in the mail a {$2500.00} check from XXXX XXXX XXXX and XXXX XXXX for a claim for services rendered for XXXX  XXXX. Then, I proceeded to submit the check on XX/XX/XXXX as a mobile deposit to my bank - Suntrust now Truist. 

Then, the next day, I am unable to get online access to check my account.I called customer service and I am told that the account is closed yet the check has cleared. 
So, I call XXXX XXXX XXXX and XXXX XXXX to ask it the check is legitimate. I am told that check for services on XX/XX/XXXX is real. 

I call the bank and ask what is going and is my account or not. I told the representative that I would prefer to keep the account as I have my VA XXXX check coming monthly to the bank. 

Then, on XX/XX/XXXX, I receive a letter saying the hold has occurred for the following reason : " We have confidential information that indicates the check may not be paid. '' And, if the funds held for deposit do clear " funds will be available on XX/XX/2020. '' I call customer service today and I get the message that the account is on hold and the account is under and closed. So, I have a concern why am I getting mixed messages about the legitimate payment made to me and deposited in good faith to the bank. As of now, I don't when or if I will receive my {$2500.00} due to me. Please advise and help me. I am XXXX  veteran who needs the money to pay my living and medical expenses in a prompt fashion. 

This matter has really shaken me to my core, and I wonder why this imposition and inconvenience has occurred. Thank you, in advance, for your assistance. 

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

LexisNexis is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that LexisNexis has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party LexisNexis. In addition, XXXX, XXXX & LexisNexis refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, LexisNexis will NOT furnish documentation that my file is permanent on freeze & suppressed.
Product: Debt collection

Today on XX/XX/XXXX I had spoken with RPM known as Receivables Property Management in XXXX, Washington regarding a debt that I do not owe on. They contacted me regarding an debt from an car through XXXX XXXX  XXXX from XXXX XXXX that is no longer in business. I am unfamiliar with this company and debt pertaining to me from RPM. I ask them to verify the account and they could not validate or send me over a contract.
Product: Money transfer, virtual currency, or money service

I used moneygram.com to send $ but moneygram would not allow pick up for unknown reason. Moneygram cancelled my transaction and still did debt my bank account. Spoke to reps numerous times and was told to wait for the credit to my account on 6 different occasions. Rep said my bank was the problem so I contacted my bank and they did not have any issues and were never sent the refund. Money was debited on XX/XX/19 and I still have not been reimbursed for the failed transaction. Reps continue to tell me money should be returned by a certain day and when its not I call again and they can not tell me where my money is so they again tell me to wait a few more days. Transaction number is XXXX and the number is XXXX. Amount is XXXX. Attached the 2 emails I received from them below.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to an adequate customer service and unfair practices. Which violate customer financial protection act ( CFPA ) specifically Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation, e, these actions have caused significant. Inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In a day where phishing or scams via email are common. I am trying to find out how to validate email notices related to my new XXXX  XXXX ( Issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ). Via XXXX and Goldman Sachs Bank method of communication via XXXX chat service. I attempted to learn as their support page is lacking any guidance. Currently I have received a few emails but they were flagged as JUNK by XXXX. I want to make sure I do my part to protect myself. As well I want to insure that email notices that could be urgent are not missed. The subject and FROM are not easily verifiable as true XXXX or Goldman Sachs Bank. 

Subject : Your XXXX Card statement is ready From : " XXXX Card Support ''  <XXXX> XXXX>
Product: Student loan

I have my loans through Navient. I checked with federal student loans and the reported interest rate was 5.9 % and I checked Navient and they are reporting my interest to be 8 % to 9 %. I feel like they are misreporting my loan amount and interest.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit and found a lot of inquiries I did. not unauthorized. 

the inquiries are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$4100.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Act, XXXX XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

I received a letter in the mail from Wells Fargo dated XX/XX/2019 thanking me for opening a new Wells Fargo Credit Card, and informing me that my new card would be arriving soon in a separate mailing. They also included a report from XXXX   dated XX/XX/XXXX showing my credit score. I never applied for this card and never gave approval for a credit check. I called Wells Fargo and got the card deactivated before any charges were made. 
The letter was from : Wells Fargo Bank XXXX. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting or other personal consumer reports

First in foremost this is not my debt. I have sent a letter to XXXX verify my personal information. This debt is a rental collection at address that I have never lived at and is causing damages. I am not able to rent because it is listed as an eviction.

I also sent a letter directly to the furnisher that they were violating laws. After sending this letter they are violating 15 USC 1681 s-2. The are reporting inaccurate information.

These laws were 15 USC 1681b as they are a third party party harboring information unknowingly on my credit report. 15 USC 1692 c as I asked them to cease all communications with me.
Product: Consumer Loan

Debt collector from National Credit Adjusters is repeatedly calling my job, family, and friends. They are immediately asking me to verify my social security number and becoming frustrated when I do n't, and when I want to know who they are. The only identify themselves as National Credit Adjusters, and are unwilling to give any other information for what they want unless I verify my identity with sensitive information.
Product: Debt collection

I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings. 

The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. 

Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.