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

On numerous occasions I have contacted Capital One and provided documentation regarding my account. The account was opened approximately 1 year ago and upon opening my job relocated myself out of the country which I thought would be permanent became only temporary and now here I am back in the XXXX and have spent many hours on the phone with Capital One trying to resolve the issues they had with issuing the card to myself. Capital One security department on many occasions kept referring back to the number I had prior to leaving for XXXX and demanded that was the only number theyd accept for verification with the account. Having lost the number when I left I no longer was able to receive such a text from them, so therefore finally they requested further documentation in which I provided and after providing the security department told myself that what they received wasnt acceptable and would be permanently restricting the account and closing it. A month and 1/2 proceeded and I saw that the account was not closed and contacted Capital One and was immediately sent to the fraud operations department which started out with the rep there lying to myself about 2 issues and only to go on further and I had enough at one point and ask for a supervisor and at that point i began to record the call and the rep stated there was non available and i could try back next week and speak with someone and could be assisted then. I at that time called from my other phone and got a guy on the phone from the same dept who stated that yes there is supervisors available. I took the call with him only for him to argue with myself about he wasnt able to close the card and then i asked for a supervisor and he told me at one point one wasnt available and then I demanded and he then stated yes one was available but id have to get a call back and I stated I'd hold for one and he then insisted one call back, I believe with no  intentions of having someone call. Finally he says hes getting one and places myself on hold for 25 min to then come back and say he can proceed with closing it. Capital One has kept the account on my credit file for an excessive amount of time and then refused to close it only to tell lies which I have recorded.
Product: Prepaid card

This is a pre-paid Travelex Mastercard which was issued as a travel card to provide XXXX while I was traveling. 

Card Number : XXXX There is an outstanding pre-paid balance on the card of {$400.00}, but when I asked the bank to close the account, and refund the balance, I was told by a representative of the bank that they no longer honor these cards. The expiration date on the card is XX/XX/XXXX. 

Two months ago, I spent about an hour on the phone with a representative of the bank ( " XXXX '' - employee number XXXX ) at the ( XXXX ) number XXXX. Initially she told me that she could talk to the bank, but that she was sure they would not refund the balance. After much discussion she who told me that a " XXXX '' would generate an email to me concerning the refund. 

I have had no contact from the bank since that call. I am asking that you contact the bank and determine why they are not honoring this card, or the outstanding balance owed to me.
Product: Debt collection

Constant phone calls and no messages left. Research the number and its XXXX XXXX XXXX. I dont owe anything to this debt collection company and nothing is reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and Experian and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continue to reporting my financial information with XXXX despite me opting out of doing so. I have a right to opt out of my financial information being shared without my consent. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX Acct # : XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Payday loan, title loan, or personal loan

a week ago ( XX/XX/2023 ) a XXXX salesperson came to my house and i politely declined at the door but was basically forced in to letting her in to give me a demo. i told her i had to go to XXXX and she told me " i'll be done before XXXX closes '' she was at my home for FIVE hours. i told her i wasn't interested because i couldnt afford it due to me being a XXXX XXXX XXXX taking care of my XXXX XXXX XXXX brother. she insisted and would not take no for an answer, i was scared for me safety as she was in my home and then called her boss into my home as well. she told me her boss could get me a lower down payment of {$21.00} and brought him into to quote me and give me paper work. i continuously said no but i eventually gave in because she told me i had 30 days to cancel and return and she was growing more impatient and agitated. my mom was XXXX they ran my credit and i told her i was planning on canceling. i call today and they tell me i only had 3 DAYS to cancel my contract. its been a week. i cant afford {$79.00} a month, i dont have a job and if i dont pay them my credit score is XXXX she scammed and manipulate me into not only taking out a line of credit but getting this stupid vacuum! i really cant afford this and no one is helping or answering the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX  XXXX Open options Account # : **** Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed XXXX XXXX  Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : CollectionOrChargeOff Account Rating : XXXX Creditor Type : Finance Account Status : Closed XXXX XXXX XXXX options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed U.S. Bankruptcy Court Add a custom Message Type : XXXX Status : XXXX Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXX XXXXXXXX XXXX FL XXXX XXXX Add a custom Message Type : XXXX Status : XXXX Reference # : XXXX XXXX XXXX : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Finance Account Status : Closed XXXX XXXX  Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message XXXX Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding to the information provided to Early Warning about closed bank accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX, account number- XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

I asbehalf and it took to long to get a answerked the law firm to entervien on my
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, XXXX XXXX, Experian, and XXXX any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy. 

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates. 


15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX DISPUTING ACCT : XXXX   XXXX XXXX ACCT NUMBER XXXX SSN : XXXX I sent a dispute letter to EQUIFAX on XX/XX/2018, disputing fraud credit card account on my credit report. I have also filed an identity theft report with the FTC and sent the copy to the EQUIFAX as well. 
After few months, EQUIFAX deleted that fraud account off of my credit report. But after few months later, they have re-posted that fraud account back on to my credit report. 
My understanding is that, the bureau must notify me by mail stating the reason why they are re-posting that account on my credit report before they do, they did not notify me at all. Also other credit bureaus ( XXXX, XXXX XXXX ) deleted that account off of my credit report and never put it back again, but EQUIFAX is continuing to report this fraudulent account on my credit report.
Product: Credit card or prepaid card

American Express Delta Skymiles sent me offer of a gold AMEX card, offering {$50.00} credit for qualifying Delta purchase and XXXX  bonus miles providing I spent a certain amount in a certain time frame. Both offer obligations were met by me and American Express customer service agents as well as the manager have confirmed this to be the case and agree 100 % that I SHOULD get the {$50.00} credit and the XXXX bonus miles. I called on XXXX XXXX, 2017 and spoke with XXXX, she confirmed I should get the miles and $ credit within 7 business days. Case was opened, case # XXXX. Nothing received, so I called on XXXX XXXX, 2017 and spoke to someone else, they said case was resolved on XXXX/XXXX/17 and they should be fulfilled ( miles & dollars ) by XXXX XXXX, 2017. I checked on XXXX XXXX, 2017 and nothing, so I called again and insisted on speaking with the manager. After 30 mins of waiting on the phone, I spoke with the so called manager, XXXX, and she said there were " technical difficulties '' in fulfilling everyone 's bonus miles and dollars, said it had something to do with XXXX XXXX and delta airlines, said it should be resolved in a week. A week has gone by, and it 's XXXX XXXX, 2017 today and just called and spoke with XXXX. Same old, same old ... .yes, I have met my obligations, but there is still problems fulfilling what was promised to me. REALLY American Express Delta Skymiles???????????????????????? I have never thought that American Express was this sort of a company where promises are made and then they hoped I would just go away. Next time, keep your offers to yourself and I can assure you I will TEAR UP EVERY SINGLE OFFER THAT COMES MY WAY. Lost ALL faith in this company.
Product: Checking or savings account

I wrote a check from my checking account with PNC Bank to pay an energy bill XXXX & XXXX XXXX XXXX amount of {$310.00} dated XX/XX/2023. The check was stolen in the mail and deposited in a fraudulent account in the amount of {$3100.00} and taken out of my account. The bank assured me they would refund me the {$3100.00} because it was clearing handwritten out on the check as XXXX XXXX XXXX and XXXX/XXXX PNC Bank insured me the transaction of refunding the money would take no more 120 days. 

After not receiving the money I went to bank each month, spoke with several managers and filed XXXX affidavits which have been notarized the last one XX/XX/2023. At this point I have exhausted all avenues to try to get this resolved. 

The police report was filed on XX/XX/2023 and the police have found the person who did this and there is a summons out for his arrest. The office also offered to speak on my behalf to PNC Bank and the bank only wanted the police report file #. 

Thank You in XXXX for any help with this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My car was totaled in an accident. The other drivers insurance paid for the car and my gap insurance paid in full. I am receiving on my credit report and amount of {XXXX} that can not be explained to me. The car was totaled and was pay off by the other drivers insurance. This occurred in 2016 and now this is appearing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX card XX/XX/XXXX is paid in full I asked if they would remove this they didn't even report it closed it's still open. And it's on my report twice. As potentially late. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I paid it of still on my report showing potentially late XXXX paid still on my report XX/XX/XXXX paid XXXX XXXX  XX/XX/XXXX still showing potentially late and it is paid XXXX XXXX adjust paid still showing potentially late and open. 
XXXX XXXX paid still showing potentially late and open XXXX XXXX card still showing potentially late and open it is paid XXXX I'd over seven years and it still on my report. Inaccurate information which one was it repossessed or volunteer return. It was XXXX XXXX XXXX AND XXXX haven't sent me nothing! They are just on my report. Nothing! XXXX XXXX pay day loan, but I have received no validation notice XXXX paid no validation notice XXXX XXXX XXXX information inaccurate paid off. Still showing potentially late XXXX XX/XX/XXXX paid still showing potentially late. And no validation notice
Product: Payday loan, title loan, or personal loan

I borrowed money on a payday loan in amount of {$450.00} they said rates would be about 14 % I am now being charged 699 % and they ACH money from my account I tried to talk to person on phone and could not get a human. I called Pa Dept of banking and they could not help and they suggested I contact you I have already paid principle and probably 50 % in interest. Pennsylvania also said the XXXX interest rate 6 % in PA They claim the are an XXXX XXXX so are exempt from Federal Guidelines? ( posted on there website )
Product: Mortgage

The Loan in discussion is Loan Depot Account # XXXX the issue at hand is a late in XX/XX/2020 in XX/XX/2020 I was unwell with Covid-19 I tried calling to defer the payment and could not get ahold of someone at Loan Depot. Once I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Product: Debt collection

In XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently charged many people in the area including myself. Heres a link to a local article that states the facts - XXXX XXXX XXXX  They fraudulently charged me {$370.00}. Ive tried contacting this bank and they said they would reach back out to me, several times, and never did. this is the only thing on my credit, and its the only thing keeping me back from being able to get credit cards. this is ridiculous and is illegal! why cant XXXXXXXX XXXX fix this?