davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear XXXX XXXX Services, XXXX am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter.

1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by Pacific Concrete XXXX XXXX XXXX XXXX XXXX, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
XXXX. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Account Name : XXXX XXXX, ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thank You.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

This complaint is about add on product charge to customer accounts. Add on product charge to customer accounts were found to be in violation of banking regulations. I am requesting Wells Fargo contact me about account in the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request assistant with asking Wells Fargo to research account XXXX and start a mediation process to have all monies affected by the add on to the above account refunded to customer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Recent closed complaint filed on XX/XX/XXXX ) The above complaint WAS FILED with CPFB on XX/XX/XXXX. Wells Fargo deny the account # XXXX contain any add-on product in the answer provided to CFPB and to me ( XXXX XXXX XXXX XXXX Wells Fargo answer denied any add-on even though proof was provided to support my original complaint. I will attach the original statement I use with the add-on clearly mark. I also will submit additional statement as proof of the add-on, which is the subject of the close complaint and the subject of this new complaint filed today XX/XX/XXXX. 

( New complaint filed today XX/XX/XXXX ) Wells Fargo reprehensive XXXX XXXX was rude and refused to even consider the proof submitted with the original complaint. This complaint will contain two attachments. The original attachment submitted on the XX/XX/XXXX complaint and an attachment to support this new complaint. 
Please asked Wells Fargo to help resolved the issues of add-on to account # XXXX. 
Regards, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted capital one about the late payment and was told there was nothing they can do since the account is closed.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of trafficking. Being force to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$990.00} XXXX. XXXX XXXX XXXX Account number XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account number XXXX Balance {$790.00} Date opened XX/XX/XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The Salvation Army is a Non Governmental Organization that has the authority to verify my trafficking. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NY)

They are claiming to have gotten a letter from XXXX XXXX to hold my funds however XXXX doesnt claim that letter and Navy wont release my funds ever after offering to let them hear that the letter isnt authorized. Someone can send a letter and you guys just hold peoples funds? No order from a court?
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

In XXXX of 2022 Discover credit card called to tell me I was late on a payment. I then told them that I did not have a Discover credit card and the charges made at a XXXX store in XXXX XXXX XXXXXXXX and balance transfers made to a bank in XXXX XXXX XXXXXXXX that I have never done business with. Just before my account was created my mail was forwarded to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This account was created with an email address that is in no way associated with me. Discover has removed some of the charges but left most of them. But they are all of the same. The charges at XXXX and the balance transfers to the bank on XXXX XXXX XXXX all are about XXXX miles from my house and I have never been to either. In the process of dealing with many representatives they had mistakenly issued me another card XXXX XXXX XXXX, they sent me another letter with the last XXXX of the card XXXX. The other card they have on file is XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have sent multiple letters to Equifax, XXXX, and XXXX regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the Fair Credit Reporting Act. It is imperative that Equifax, XXXX, and XXXX comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have issues with my Khols account since opening. They will not set up my app so i can make my payments, i have tried making them online and it will not work and their customer service is useless today XX/XX/year> they have called me 10 times since XXXX its now XXXX. I was awoken to each call. And as someone who works third shift my sleep has now been compromised due to this harassment i can understand one phone call and a voicemail these are robocalls from khols and when you answer no one is on the other line
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently I checked my three credit reports for the first time in over five years. 

I noticed a late payment reporting on my Capital One credit card account to the three credit reporting agencies for XX/XX/XXXX, which is inaccurate. Because of my XXXX illness and the shelter in place restrictions here during that difficult time, I contacted a Capital One representative by phone to explain my situation about my late payment. At that time there was an agreement made to have any late payment reporting for XX/XX/XXXX waived from my credit history, and instead reported as an on time payment by Capital One. Now I see Capital One never honored our agreement made by phone in XX/XX/XXXX. 

The CARES Act, which was signed into law on XX/XX/XXXX, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis. Under the amended FCRA, if Capital One made an accommodation to me because I was affected by XXXX during the covered period, Capital One must report my account as current to the credit reporting agencies. 

Additionally, I would like to share that I have been a Capital One cardholder since XX/XX/XXXX, and the only negative mark on my payment history with Capital One since that date is for the XX/XX/XXXX period. Furthermore, this dispute with Capital One is the only negative mark that appears on my entire credit history. 

Be aware that my Capital One account has a credit limit of ( {$500.00} ), which is less than 1 % of my entire revolving credit limit ( {$51000.00} ) involving twelve creditors. I find it extremely disheartening that one creditor ( with such a small representation of my overall revolving credit ) has damaged my credit for more than two years because they neglected to honor our agreement made during the XXXX crisis. 

I recently contacted Capital One by writing to resolve this matter and their generic response ( attached ) was that their late payment reporting for XX/XX/XXXX is accurate. No mention was made in their findings about the life changing XXXX restrictions and issues we all faced at that time, and they did not acknowledge our agreement made at that time regarding my payment.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

NEEDS IMEDIATE ATTENTION!! IVE REACHED OUT TO THE REPORTING COMPANIES AFTER SUBMITTING ON XX/XX/year> XXXXTHEY STATED THEY HAVE RECEVIED FROM CFPB. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I have provided my photo ID along with required documents I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Violated my rights Account XXXX XXXX XXXX XXXX XX/XX/2021 {$2800.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$1400.00} Capital One XX/XX/2021 {$310.00} Capital one auto finance - {$27000.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$5200.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX  XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to XXXX, Equifax, and XXXX, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax has requested me to send my personal information ( SSN, driver 's license, address evidenced by a bank account statement that contains further personal information ) in an effort to confirm my information is correct. I have sent once in XX/XX/XXXX and the problem was not fixed. Equifax said they received the information in XXXX but failed to explain why the account was not fixed so that lenders can access credit reports. Sent twice again - once in XX/XX/XXXX and second time in XX/XX/XXXX. Equifax said they did not receive either. However, the second XXXX mailing is evidenced by a receipt where an Equifax employee signed for the overnight package. This package contained a copy of my XXXX as well as address information. I have again today overnighted and sent by regular mail as I need to get the situation resolved so my bank can access the credit report. 

I am concerned that my personal information has been either lost or stolen by Equifax. They have inadequate processes to guard personal information, which they insist must be sent to a XXXX XXXX XXXX No email or fax is acceptable. Yet, their process has resulted in my personal information being lost or stolen. Again, I have evidence of delivery from the USPS. This is urgent and on the same level as a data breach- in this case personal information was misplaced or stolen while in the physical care of Equifax.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have been a user of Capital One for years. Always pay on time. 
I opened a dispute for case XXXX on XX/XX/year>. 
I informed card company I had still not recieved my purchase from over seas. 
I offered all proof of communication the very day I applied and was told no. 
I called end of XXXX to request to send documents to assist with case. I was told no. They will have record of my call. 
XX/XX/XXXX I recieved a request for supporting documents due by XX/XX/XXXX. 
I called back because my links were not working the times I attempted. They will have record of my calls. 
I submitted documents. 
On XX/XX/XXXX, I recieved notice they closed my case. I call to inquire how when I was submitting evidence. 
I was told they needed more. 
I was NEVER contacted and asked for more evidence! Due to the size restrictions of the company. Users are forced to select what they are sending. 
I call and ask for the link again! They say no worries. 
When I attempt to upload documents the link does not work. 
I call and request new link. 
Size is over limit! 
I call and request faxing information. I am to the poinXXXX I will fax and mail in hard copies. 
I fax in 45 pages XX/XX/XXXX! 
Mind you! I SPEAK with multiple dispute agents on my case that day. 
Nothing was wrong Later that evening I received a letter they closed the case. 
I call and ask for supervisor XX/XX/XXXX. I explain I have been in touch almost weekly since dispute started! Either call or email or chat. 
He says dont worry about the fact its past date. Later the story changes that they wont help. 
I said why cant you reopen/appeal the dispute. He said no we dont do that. 

I have sent them everything I have. I have sent them corispondense of my attempts to work with the seller. I sent them the verdict of the midiation stating I won! Through the selling company. I sent them a copy of the fact the seller refuses to comply while they wait for charge back verdict. I sent them images of the broken products. 

I let them know this needed handled or I was going to report it to CFPB. They dont care.