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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX STATE UNIVERSI XXXX
Product: Student loan

I paid off loan # 2 to Mohela XXXX XXXX, 2023 in the amount of {$7000.00}. A payment crossed, so I actually overpaid the loan. I called XXXX to request that the overpayment be applied to loan # XXXX. Loan # XXXX briefly showed as paid off a few days later, but about a week later I noticed that loan # XXXX had a balance again, and loan # XXXX had been reduced by the $ XXXX amount, so I called In. XXXX, explained the situation and was assured it would be handled. By XXXX it still hadnt been paid so I called again, I was on hold for an hour, explained it yet again and all seemed like it would be handled well, but then I got disconnected and wasnt called back despite giving permission. I called again XXXX XXXX and was told it would all be handled by the followingg Wednesday. It wasnt so I called yet again XXXX XXXX and requested to speak with a supervisor since Id heard repeatedly that it would be handled and it wasnt. I had to wait 24 hours to get a call back. I got the call and was disconnected within 10 seconds and got no call back. I called again to speak with a supervisor and had to wait another 24 hours. I was called back on XXXX XXXX, and I went through the whole thing again with the supervisor who assured me that the payment reallocation would be expedited but that it could still take a week due to volume. He said he would call Wednesday XXXX XXXX either way and he didnt not call by EOD . The loan payoff had still not been reallocated to loan # XXXX. I called and requested to speak with a supervisor again and was supposed to recover a call by the end of today, XXXX XXXX. I did not receive a call. Mohela us the worst customer service I have ever experienced. I want my payments processed accurately and promptly. I also want compensation for the hours I have spent on the phone trying to resolve this issue.
Product: Credit card

Today I contacted Capital one about my increased apr. that the increase makes it difficult to pay off due to the high interest is over 26 %. It has decreased my credit and is making it impossible to pay off, once I contacted them they have not tried to negotiate to a lower rate. I feel I am being robbed and was not notified or informed of the change in apr.
Product: Credit reporting

I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.
Product: Checking or savings account

On XX/XX/21 at approx XXXXXXXX XXXX I visited the Bank of America at XXXX XXXX XXXX in XXXX XXXX. 
I had received my XXXX  bonus from my employer XXXX XXXX, which was XXXX. 
I was charged XXXX to cash the check and yes I agreed to pay it cause I definitely needed the money. No, I do not have an account at this bank. Yet, it is my companies banking institution. 
So this is more of a question than a complaint, is it not robbery for a banking institution to charge for cashing a payroll check thats written on their bank? I mean think about it. The payer still has the full check amount deducted from their account and the payee has to pay for having the check cashed. In this case the bank profited XXXX on this transaction. 
Please explain how this work. 
Thank you
Product: Debt collection

I was contacted by Armada corporation, about a debt to XXXX XXXX XXXX  XXXX. I explained that this charge was incorrect since it was for an XXXX XXXX XXXX that is covered by my insurance. I explained that I have two insurances and should not have a bill at all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX on the dates XXXX and XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services.

I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit card or prepaid card

My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.
Product: Bank account or service

My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....
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. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

WELLS FARGO has my account pending for closure 0n XXXX and holding my payroll that deposited today XXXX. I can not get my money. My account was at risk because I deposited a XXXX XXXX MONEY order that had a stop payment on iit that has now been corrected. I complained to you, the CFPB regarding this issue where XXXX mistakingly placed a stop payment and I did not know it. Wells Fargo sent me a email stating my account was under review by the executive complaint department. This is not fair that they are closing my account, further holing my money. They no better thatn XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXXhirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I used my Cabela 's credit card back in XX/XX/2018for a {$450.00} cash advance. I have been paying on my account and have never missed a payment. I paid the cash advance amount off back in 2018. I continue to send in large payments that exceed the minimum balance. Upon calling the capital one to ask why I am still being charged interest in the amount of {$50.00} + each month on interest for the cash advance back in 2018 that was paid off, they informed me that my balance on the cash advance is now over {$2000.00} due to interest that is charged daily separate from my other charges. I informed them that I paid the cash advance off back in 2018 but I was informed that the interest is charged on the cash advance until the entire account is paid in full. So I am accruing interest on the increasing balance of interest which is adding to my amount due as a whole on something that I already paid off years ago! I tried to get them to stop this, but they told me that I will be charged interest on the {$2000.00} in interest until my account has a XXXX  balance. I am extremely upset as I am being charged a ton of money for something that I do not even owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, EXETER HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account XXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : {$150.00}, was told to try contact the merchant to receive it back but it was a scam. 

XX/XX/XXXX : {$2100.00}, I called the following day to get it disputed and was told that I couldnt get my money back but they could ship me a new card. 

XX/XX/XXXX : {$400.00}, opened a new account with a different bank because I wasnt able to get a refund. 

XX/XX/XXXX : {$360.00}, contacted bank and they did an investigation and found out my information was leaked on a website but still havent received a refund.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered two XXXX XXXX '' XXXX XXXX Laptops from the merchant XXXX, these two laptops were intended to be a secondary work laptop and an educational laptop for my little sister for her school. It was shipped via XXXX carrier, and a signature was required for receipt of delivery. As I opted for next-day delivery, it was scheduled to arrive on XX/XX/XXXX, and knowing it needed a signature for receipt, I had planned to be home all day. XX/XX/XXXX rolls by, the carrier never showed up on my home and my package was marked delivered and signed by a signature " XXXX XXXX ''. Tracking showed it being delivered at XXXX on XX/XX/21, however, upon checking the security cameras on the front of my home and yard, no delivery person or even any vehicle passed by my house or stopped in front of my house around that time. 

I waited until the next day to contact the merchant as it may have just been a mistake, after chatting and explaining to the agent what happened. They simply said " XXXX you please contact your bank and dispute your charges ''. After explaining I have proof the delivery never even happened to the correct address, they just kept insisting to just dispute my charge with my bank. So I went ahead and did just that. Once I called Capital One to submit my claim/dispute my charge, I told them additionally that I have screenshots of the conversation with the live agent that they were instructing me to dispute my charges with my bank. I don't remember what the agent said, but if I recall correctly that they were going to send me a link to upload my evidence, but I never received that link. 

A month goes by and Capital One sided with the merchant, despite me having proof via my cameras that no delivery occurred when it was marked as delivered on the tracking and with XXXX 's own customer service agent telling me to dispute the charges with my bank for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute is geared towards the five credit reporting agencies, XXXX XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This was my follow up to my previous complaint regarding my request to remove the remaining items from my credit reports. Once again, I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft however there were still ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} -- -- -- XXXX -- -- -- XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed XXXX {$450.00}
Product: Credit card or prepaid card

To Whom This May Concern, I contacted Comenity Bank on XX/XX/2020 and reported that the credit account ending in XXXX was a fraudulent account. I informed them that someone opened the unauthorized card in my name without my knowledge. I was will to cooperating by filing a police report to validate my claim. I was told to not file any reports and someone from their asset protection team would contact me by phone or mail to gathering any supporting documents I needed to complete the investigation. I received a decision letter in the mail on XX/XX/2020. They stated they concluded the investigation and the account is mine.

I was never contacted for any supporting documents or asked to fill out any identity theft forms. So how was the account investigated. I request to see the method of investigation. Where did they gather their information to validate this account?

I have placed security freezes on my credit reports. I now monitor my credit closely for any unauthorized accounts opened in my name. Identify theft is one of the hardest things to clear up from the consumer standpoint. Everyone thinks you are lying. I demand that this account be removed from all credit bureaus because a through investigation was not completed.
Product: Credit reporting or other personal consumer reports

There are hard inquiries reporting on my credit file that I did not initiate or authorize. I believe there have been fraudulent attempts to open credit accounts in my name. As of XX/XX/XXXX, Bank of America is reporting to XXXX that there were XXXX hard inquiries made on XX/XX/XXXX and XX/XX/XXXX, and XXXX is reporting this inaccurate information even after I have informed them that this information is fraud. The hard inquiries from " Bank Of America '' on XX/XX/XXXX and XX/XX/XXXX were never authorized by me and are a result of identity theft. They are causing me severe harm and distress and they need to be removed immediately.