23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had two auto loans with Navy FCU that they refinanced for me last year in XX/XX/XXXX -XX/XX/XXXX Both accounts were 30-60 days delinquent but for some reason one of the two auto loans ( one complaint is being filed about ) had a payment refunded to me on XX/XX/XXXX, which caused an additional late mark onXX/XX/XXXX. I was advised that is was transferred back into my bank account due to the account being refinanced and paid off. The refi didn't go through until XX/XX/XXXX as you can see in the attached payment history. I have asked NAVY FCU to correct this 90 days late mark on this account but they are stating that they have no way of correcting this even though admitting the error. The error being that they did not know why one auto loan processed quicker than the other or why they transferred the monies back to my account. As you will see in the payment history, the funds payment was not reversed for insufficient funds, it was merely transferred back into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done
Product: Credit reporting or other personal consumer reports

I am writing to have the above information removed from my credit file. Im a victim of identity theft. I have multiple accounts that I did not apply for listed on my credit report. I asked that these items be removed from my credit file so that my credit report only shows accurate information. I reported the theft of my identity to the FTC and have enclosed copies of the police report and FTC report. Delete these items pursuant to section 605B of the FCRA.
Product: Credit reporting

XXXX XXXX XXXX # XXXX has a false DOFD.THE CORRECT DOFD IS XX/XX/2010.ALL XXXX BUREAUS XXXX AND TU REPORT A DIFFERENT INCORRECT DOFD.ALL ARE ATTACHED TO VIEW THEIR RADICALLY DIFFERENT PAYMENT HISTORIES.ALL XXXX BUREAUS HAVE BEEN " VERIFIED '' RECENTLY WITH ALL DIFFERENT INFORMATION.WITH THE CORRECT DOFD OF XX/XX/2010 the account could be removed from my report now.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : My name is XXXX XXXX. Im writing to complain about Capital One Bank. 

Capital One Bank did not accept a transfer of {$10000.00} in PPP loan funds into my personal bank account, which I use to handle my XXXX  dealings as a XXXX XXXX XXXX. This happened around the end of XX/XX/2020, though I double checked that the routing and account numbers were accurate, and the name I applied for the account on is the same as stated on the contract - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( my XXXX XXXX name ). ( see image ). 

When I called to try to find out why Capital One Bank did not accept the funds, I was told : SBA loans have to be deposited into a XXXX account only. 

However, my EIDL loan was deposited into the same account just weeks previously ( see image ). 

At no time did Capital One communicate via phone, email or other method, or let me know that the PPP loan money was refused. In the past, I have received letters in the mail or emails from banks when a transfer was refused or on hold. 

The operator said, Im not sure why you werent contacted by someone. I apologize, you are correct, it would have been very helpful if someone had contacted you. The operator who I spoke with was named XXXX, ID # : XXXX. We spoke on the evening of XX/XX/2020. 

I called back to ask why the EIDL loan was received in the personal checking account and not the PPP loan, and was transferred to the checking department and put on hold indefinitely. After 15 minutes or so, I hung up. 

I am writing to complain that Capital Ones acceptance of one loan and not the other caused me and my family and my XXXX much distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a response back from Equifax indicating I was responsible for the fraudulent accounts on my credit, but I do have proof they never even investigate my dispute. My account still hasn't been updated, and the XXXX XXXX account on my credit report Equifax is claiming I am responsible for dates are inconsistent. The reported date, and open date are just impossible. My identity was stolen and used during the XXXX Equifax data breach breach, and I received credit repair services from Equifax, but still refusing to dispute my filed disputes. I am not responsible for XXXX, XXXX XXXX, and XXXX. I have not done any business with them nor have I signed any contracts with them. I requested documents to verify the method Equifax used to investigate and determine the accounts belong to me on numerous occasions, but I have not received anything as of today the XXXX of XX/XX/XXXX. They are violating my rights, and I would like some help with this. I've been battling with this issues, and it is taking a toll on my mental. It has made life extremely difficult for me, I need some professional help.
Product: Debt collection

The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX  at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX  and XXXX and placed freeze but accounts might already be open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XXXX XXXX about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. XXXX stated it will take 30 days its been 30 days & still no update!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Inaccurate Information Under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 1681o. After reviewing my credit report, I have identified the following items that I believe are incorrect : Item ( s ) in Dispute : [ List the specific account ( s ) or item ( s ) you are disputing, including the creditor 's name, account number, and the nature of the dispute, e.g., inaccurate reporting of payment history, incorrect balance, fraud, etc. ] I request that you investigate the accuracy of this/these item ( s ) and remove or correct any errors found. Under the FCRA, you are required to investigate and resolve my dispute within 30 days.
Product: Debt collection

A communication from XXXX XXXX XXXX, XXXX, ( PHEAA ) was received by this consumer, XXXX XXXX XXXX ( 15 USC 1692a 3 ) on or about XX/XX/XXXX. As described in 15 USC 1693 a 2, an account involving personal, family, and household, which means consumer, is an asset account. Why is an entity, which can be defined in 15 USC 1693 a 9 as a financial institution holding an account, directly or indirectly, belonging to a consumer, attempting to collect an alleged debt? According to the FDCPA a debt collector may not  use any false or misleading representions in an attempt to collect any alleged debt ( 15 USC 1692e 3 ; 15 USC 1692e 10 ). Continuing, threats were insinuated as described in 15 USC 1692d. This consumer is seeking actual damages pursuant to 15 USC 1692k A 1 in the amount of {$50000.00} USD. Misrepresentation and harassment are deceptive and harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments.

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken.

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above.

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter.

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is illegally trying to collect on a debt that is NOT mine. It was originally through Complete Credit Solutions who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on Transunion and I will a separate complaint about that ) and stopped trying to collect on it. 

Now Complete Credit Solutions has apparently sold it to XXXX XXXX XXXX. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that XXXX XXXX XXXX clearly marks that XXXXmplete Credit Solutions is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Product: Vehicle loan or lease

Mishandling of payment check. Failure to apply payoff of loan in a timely manner. Payoff check was received on XX/XX/2021 and has not been applied to the account as of XX/XX/2021. 

XX/XX/2021. Payoff quote was obtained and check issued for payment in full. 

XX/XX/2021. XXXX  tracking receipt shows check was delivered on Monday XX/XX/XXXX at XXXX am signed by XXXX 

XX/XX/2021. Made a due monthly payment on the account. 

XX/XX/2021. Called company and inquired as to when the payoff payment would be applied to account. Representative stated they had " no record of receipt '' and it would take " 10 days to process after receipt. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative claimed they had " no record of receipt '' and the payment was " not yet received. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative stated that they, " can not find and have lost the payment check. '' XX/XX/2021. As of XXXX XXXX payment has not been applied to the account. Next monthly payment is due by XX/XX/2021.
Product: Debt collection

RECEIVABLES MANAGEMENT SYSTEMS at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX has reported a medical debt to XXXX credit bureau in the amount of {$410.00}. I do not know this company. I have never done any business with this company. This company does not have any legal documents with my signature bonding me to this debt.
Product: Credit reporting or other personal consumer reports

Mohela is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in XXXX they show closed no debt XXXX  they put a different date from XXXX and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Product: Credit card

My account was closed without notice or warning. I messaged support and they said the account was closed on XX/XX/20 because they never recieved verification they requested. They also said I should recieve a letter within 7 days of closure, but it has now been 10 days and I am just finding out about the closure from a third party credit monitor without any form of communication from Discover. I have documentation from XXXX of this year proving Discover recieved the verification requested, confirmed they reviewed it, unfroze my account and have not sent any form of communication about the matter since.
Product: Debt collection

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by Equifax, XXXX, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
Product: Consumer Loan

Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  I had fraudulent charges on my   XXXX   XXXX     XXXX   XXXX   XXXX   Credit Card in  XXXX     2017.   The fraudulent charges have since been removed from my account by  XXXX , but a false address and telephone number were also identified in the account. I personally corrected the false information in my credit card account, but noted the false address associated with fraudulent activity now occurs in my Experian credit report. After contacting Experian twice, they finally indicated they would remove the fraudulent  XXXX , Florida address ( I have never lived/worked in Florida  ). However, Experian later emails me Dispute Results ( twice total so far ) and both times the d ispute does not even acknowledge the dispute ( the fraudulent Florida address ), but instead cites deleting a telephone number completely unrelated to the fraudulent activity.  FYI. T he  XXXX  fraud unit is currently still active with my fraud complaint.     I want the fraudulent address removed from my credit reports asap.     Any help would be appreciated.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I paid {$50.00} in fees for wire transfer of {$200.00} from my savings account at Citizens Bank in XXXX PA to a contact in XXXX XXXX. Receipt promised delivery by XX/XX/21, but funds were never received. Citizens Bank reported that transfer was under regulatory review but could not identify location of the funds. After 2 weeks the funds are gone from my account and the bank can not tell me where they are.
Product: Credit card or prepaid card

On XX/XX/XXXX I had attempted to purchase a XXXX XXXX XXXX   from a web site. I provided the merchant with my Capital One credit card and the charge appeared as a XXXX charge XXXX for {$99.00} After the item did not arrive for two weeks, I decided to track the package using the link provided by the merchant. I found out that the merchant had requested the package back, after it bounced to multiple destinations for 2 weeks. None of the destinations was my address, and I never received the package I e-mailed the merchant about this and notified that I never received the item. The merchant promised to reimburse me in full for the item in writing. I did some research on this merchant, and I found a web-site dedicated to scammer on the internet where I found people writing about purchasing from the same merchant and never receiving the item, and merchant just charging the credit card.

I never got reimbursed, so when I called Capital One in XX/XX/XXXXand spoke with a representative, I was transferred to the fraud department to tell whole story. Capital One had opened a fraud claim about this.

As a result, I got a reimbursement by Capital One for {$99.00}.

After few weeks, Capital One charged me {$99.00} again for this item. I called the fraud department again. The representative explained that the merchant provided them with an on-line confirmation about the purchase. They had advised to access the claim online and upload all correspondence between the merchant and myself, including the e-mail confirming the merchant promising to return the money.

I followed all the instructions and uploaded all documents Capital One went ahead and reimbursed me {$99.00} in XX/XX/XXXX.

In 2 weeks, however, Capital One placed {$99.00} charge again.

I called again ( around XX/XX/XXXX ), and spoke with a customer representative regarding this. He had explained to me that he will create another claim. He informed me that the previous claim was incorrectly created as a fraud claim, and that the fraud department concluded that it was not fraud in the end.

He had explained to me that the new {$99.00} charge does not need to be paid and new documents would be sent to my mailing address to dispute the latest {$99.00} charge.

After 6 months of going back and forth, I learned that the charge is still there, with a an additional interest charges and a {$25.00} fee for a late payment. I never received any documents to be filled out about the new claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I took a loan out for XXXX and to pay back the interest is an outrageous amount. I called to ask for a solution and he gave me the opportunity to pay back one interest they took out of my back but my bank rejected the amount and that was XXXX interest. I would like to have a fair chance at paying this loan off quickly so I don't get stuck in this whole.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. The remarks have been detrimental to my life and credit health.
Product: Debt collection

Collector called my place of employment looking for me. I asked them to contact me on my cell phone. They continued to contact my place of employment after asking them not to. I was actively paying the balance of the debt that I owed. There was no reason to contact my employer. My debt is fully settled at this point.