23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance regarding a concerning matter involving Capital One 's apparent disregard for consumer protection regulations and my rights as outlined under U.S Codes : 15 U.S. Code 6801 and 15 U.S. Code 6802. These codes address the Privacy of Consumer Financial Information and the Protection of Nonpublic Personal Information. 

I, XXXX XXXX, exercised my legal rights by submitting two simple requests to Capital One : one for validation and another to exercise my right to opt-out of their use of my personal information. Regrettably, I have received no response from Capital One acknowledging these requests. This lack of acknowledgment and compliance makes me question their respect for both the regulator 's authority and federal laws designed to safeguard consumers. 

Due to their lack of response and apparent non-compliance, I am left with no choice but to consider legal action to protect my rights. My credit and personal information are important to me, and I am willing to take necessary steps to ensure their security and proper handling. 

I kindly request your intervention in this matter. Specifically, I would appreciate your assistance in prompting Capital One to officially remove my personal information from their system and to provide a timely response to your esteemed bureau indicating their compliance with this request. 

Your prompt attention and involvement in this situation would be greatly appreciated. Thank you for your dedication to consumer protection, and I look forward to your support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can XXXX deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And Equifax has not corrected any of my credit report.

I dispute my credit report with XXXX and they haven't correct. So Equifax is still using incorrect information from them.
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number- XXXX I have no idea where this account came from. I am in perfect health I haven't even been to a doctor in 10 years. when I checked my credit report I was shocked to see this. Under the fair credit reporting act, I have the right to have my information reported fairly and accurately.
Product: Credit reporting or other personal consumer reports

Multiple inaccuracies were discovered om my XXXX, XXXX, TRASNUNION Credit Profiles, which are direct violations to Me as a Federally Protected Consumer.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

Bridgescrest Account XXXX was charged off .This is an unfair repossession practices, including improper notification of default, the vehicle was sold at an auction and The lender never notified me of the sale date and location of the car. Im never received a Deficiency Notice. The account shows a repossessed amount {$28000.00} and written off for {$19000.00}. This incorrect balance and The information is different across the 3 credit bureaus.This is incorrect reporting and needs to re-investigated and deleted from my credit report. 
Under NYS ucc code my rights are Rights of the owner The owner is entitled to immediate notice of the repossession The owner is entitled to notice before the vehicle is sold The owner is entitled to a statement about the sale after the vehicle is sold The owner may be able to reinstate the contract by paying the past due amounts The owner may be able to bid on and buy back the vehicle at auction and my rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

address not mine That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with GMFNANCIAL. 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 both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024, an unauthorized transaction of {$4900.00} was withdrawn from my business checking account. I called the bank to report fraudulent activity and to have the transaction reversed. I was placed on hold for over XXXX minutes and never received a resolution to the fraudulent activity. Now my business account is overdrawn and I am receiving bank fees for every transaction in my business checking account. I have left a voicemail with XXXX XXXX. I have not received a response.
Product: Credit card

This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I informed Chase about two fraudulent withdrawals from my checking account, one on XX/XX/XXXX in the amount of {$220.00} plus a {$2.00} withdrawal fee, and another on XX/XX/XXXX in the amount of {$140.00} plus a {$2.00} withdrawal fee. I never withdrew these funds, and have never visited these ATMs ( in fact, I have not pulled money from an ATM at ALL since XXXX ). One of the ATMs is located in Colorado, a state I have NEVER set foot in. Without asking me for any evidence, Chase denied my claim. I then contacted Chase to explain to them that I could furnish additional evidence, such as evidence of my whereabouts during the transfers, and that I was willing to file a police report. The woman I spoke with told me that was not necessary, because based on my past use of my debit card and other factors, Chase would approve my claim & refund my money. Instead, a couple days later, Chase again denied my claim without explanation. I do not believe Chase has actually investigated the fraud on my card. I work for a XXXX XXXX and, during both transfers, was in a XXXX XXXX working ( this can be verified upon request ). Chase has done nothing to obtain actual evidence about this fraudulent use of my checking account, despite fraudulently promising to do so. In addition, Chase fraudulently represented that I did not need to provide additional evidence because my claim would be approved ( Chase records telephone conversations, so the representative 's comments should be easily accessible. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX XXXX : 1. XXXX  XX/XX/XXXX XXXX : 1. XXXX  XXXX XX/XX/XXXX 2. XXXX/XXXX  XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019 USAA bank emailed my 2 CD accounts with the full account numbers listed in my email. I contacted the band requested to speak to security to ensure they stop this practice. They never connected me to anyone in security. I received canned statements how this is corporate policy and there was nothing I could do about it. I feel like my privacy is not guarded by this institution. I was satisfied when USAA was a credit union not anymore. Please let me know how I can deal with this situation. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX 'S XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU
Product: Debt collection

I applied for an apartment and was not approved. Nowhere in the application did it state that the administration fee to hold the apartment was non-refundable. National Credit System along with XXXX XXXX XXXX even tried to justify the debt by claiming I had a contract with XXXX XXXX XXXX. My Sister lives at that property not me. I was denied when I applied. There is and was no contract.
Product: Credit card or prepaid card

I have been a customer with XXXX credit cards for over 4 years and opened XXXX XXXX XXXX in XXXX XXXX. All of a sudden in XXXX XXXX they closed my account saying " Your history of account usage '' and no other details. They advertise the reward points equal to XXXX cent towards travel charges and another 5 % back making each point worth XXXX cents. I have been saving up points towards my winter vacation. As of the closure I had XXXX points which equal to {$1400.00}. 
But they credited only {$710.00} at the rate of XXXX cents per point. 
So they owe me back {$780.00} They can not take my money away by closing the account abruptly at their discretion. I do not mind them closing the account and I can take my business to somewhere more honest and respectable. I want the money that I deserve.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken via email at XXXX. I appreciate your prompt attention to this XXXX
Product: Checking or savings account

My XXXX payments were stolen when my direct deposit form was altered by a XXXX employee ( XXXX is the XXXX  XXXX for WellsFargo ) and the money was sent to a fraudsters account at Wells Fargo. XXXX XXXX and Wells Fargo would not listen to me for almost 2 years. I made XXXX calls and multiple emails to various employees there. I provided my bank statements over and over as proof that I didnt receive the payments and they totally ignored me. In the meantime they were sending me threateningly collection letters for overpayments that I never received. Finally, they looked at the direct deposit form and the voided check which were obviously altered with fraudulent routing and account numbers that werent mine. All my XXXX checks went into the fraudsters account which was opened using my name. I also asked for the documents used to open the account at Wells Fargo, ID, application form, etc. They keep saying they will escalate request and send me the documents but then dont send to me. 

I need them to reconcile the money they owe me and they are dragging their feet. 

I can provide all documents needed to support my assertions. Just let me know what you need. 

I do not get calls or emails returned from my case manager, XXXX XXXX. The Appeals Consultant referred me to the Financial Recovery Manager and she forwarded my email concerning the fraud on my account. Wells Fargo has been totally unresponsive, too. 

I want the benefits that were stolen from me XX/XX/XXXX thru ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, AZ XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted at least 8 disputes this year to XXXX and Equifax regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX  is for the same amount to report it twice the company XXXX XXXX  changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and XXXX  they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from XXXX XXXX  and the agencies refuse to properly investigate it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Charge Off Reporting on Credit Report Dear XXXX, I am writing to dispute the accuracy of information on my credit report. According to my credit report, there is a charge off listed under account number XXXX. I believe this information to be inaccurate and request its immediate removal from my credit report. 
Per the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding said debt. I have not only notified the debt collector associated with this account but also provided written notice to cease further communication regarding this debt. Therefore, any reporting related to this debt violates my rights under the FDCPA.

Furthermore, under 15 U.S. Code 1681s2, it is prohibited to 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. Given that I have disputed the accuracy of this charge off, and it has not been verified or validated by the creditor, continuing to report it is a violation of this statute. 
Case Law - See XXXX XXXX XXXX XXXX XXXX  - As noted by plaintiff 's counsel, such credit card statements are generally trustworthy and reliable. But if the last statement of the account 's status as of XX/XX/XXXX is accepted as accurate, it merely shows a balance of {$0.00}. It further suggests that defendant 's debt may have been discharged, cancelled, or forgiven by plaintiff in XX/XX/XXXX, in exchange for a bad debt tax write-off. 
I request that XXXX promptly investigate this matter and remove the inaccurate charge off from my credit report. I also request written confirmation of the removal once the investigation is complete. 
Enclosed with this letter are copies of documents supporting my dispute, including proof of my written notice to cease communication with the debt collector regarding this debt. 
Please treat this matter with urgency and provide a resolution in a timely manner. You can reach me at XXXX or via email at XXXX if you require any further information. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

NewRez did not pay my Washington XXXX DC property tax bill. I received a letter from DC stating that I was delinquent on my property tax and that my house would go up for tax sale by XX/XX/XXXX. 

I called NewRez on XX/XX/XXXX or XX/XX/XXXX. I explained the problem. We identified then that the problem was that NewRez had the wrong parcel number. I gave them the correct parcel number. At NewRez 's request, I uploaded the delinquency letter to NewRez 's website. I was told that NewRez would resolve the problem by XX/XX/XXXX and call me back. 

On XX/XX/XXXX, I still had not heard from NewRez. I called them back. They apologized, took the same information again, and told me that they would call me back. 

On XX/XX/XXXX, I still had not received a single email or phone call from NewRez. I called them back. They apologized and took the same information again. This time the person I spoke to seemed competent, and that person escalated me to a supervisor. The supervisor told me they would call me back by XX/XX/XXXX. 

I can not believe that NewRez failed to notice this problem. But mistakes happen. What is most galling is that in almost 4 weeks, they have never bothered to reach out to me once. I have to go through hourlong phone calls to try to get help. And no help seems to be arriving. 

Moreover, I have to navigate a phone menu where I have to make selections or provide information 12 (! ) times in order to reach a tax specialist. I have to enter the last 4 of my social. I have to enter the loan number ( twice! ). As soon as the specialisXXXX finally picks up, they ask for all of that information again. So each of my calls takes 10 minutes to reach a person ( if there is no wait time ).
Product: Credit card or prepaid card

I received a promotional offer from US Bank Flex Perks Visa indicating that I could use the check enclosed and while I would be charged a 3 % of amount initial charge there would be 0 % interest charged on the amount of the check if paid off before 18 months had elasped. 

I also used the card to purchase other items. It turns out that they will not allow me to pay for the other additional items, but all payments go to the promotional amount until it is paid off. In the mean time they charge me 21 % interest on the purchased items. 

This is classical bait and switch if I have ever seen one. They should be required to live up to the promised advertizement and make seperate payments for the promotional amount and purchased items. 

As it stands, until the initial promotional loan is paid, I will be charged interest on the purchases and in my phone call with them they admitted that there isn't any way for me to pay for purchases each month seperately. 

This is false and misleading and needs to be corrected.