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

Capitol One Auto has been harassing me for months about paying back car loan. I have told them many times that I am working with a reduced income and could not afford the high car note of $ XXXXXXXX at one time. 

I have offered to pay down the loan weekly by breaking up the monthly payments into smaller manageable ones and to be paid with my bank card instead of my checking account. That way they would receive their money immediately instead of risking not receiving through my checking account which I already have several auto-pays that are hard to keep up with. I didn't need another one, This was not acceptable as they would rather risk not receiving money through my checking account which in turns increases the risk of being able to add return and late fees to my account. Which has been happening. Not only will they not allow me to pay with my debit card through their bank app, but they also want full payment and if I want to pay with my bank card then I would have to call into their call center and deal with long wait times to complete the transaction. This is stupid as I pay my credit cards with them with my bank card without any long wait times or issues. 

Had they allowed me to make several {$100.00} payments during the week with my bank card through their bank app this account would have been caught up months ago. 

However, that is not the case here. They would rather threaten me with repossession, harass me with multiple daily calls ( including Sundays which I thought was not allowed ) and rack up bank fees in lieu of getting their money immediately, several times a week by simply allowing me to pay with my bank card through their bank app like I do with my credit card with them. Which by the way are paid on time every single month.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.
Product: Credit reporting or other personal consumer reports

Ive been the victim of identity theft. This is mostly equifax and XXXX fault for leaking my information. 
There is XXXX different names on my credit profile. I have filed a FTC Identity theft report and also filed one with the Department of Defense, And XXXX. 
Ive followed this correctly to a T and filed everything correct yet Equifax, XXXX, And Especially XXXX refuse to remove all these accounts with the name XXXX XXXX, and XXXX XXXX. I have submitted my Military ID, Social security card, Passport and more and the info is still not removed. 
If this process allows me to attach the FTC complaint and other docs ill attach them here.
Product: Credit card or prepaid card

On XX/XX/XXXX - I ordered a XXXX XXXX XXXX '' on XXXX totaling {$2500.00}. 
On XXXX I received an email from XXXX XXXX the Laptop would be returned to XXXX due to a carrier issue ( XXXX ). I was refunded the {$2500.00}. 
On XX/XX/XXXX - XXXX billed me {$2500.00} to the same card I made the original purchase. 
On XX/XX/XXXX - I submitted a dispute claim to American Express. 
On XX/XX/XXXX - American Express provided a temporary credit on my account stating they will wait for XXXX to reply. 
On XX/XX/XXXX - American Express rebilled me for the {$2500.00} since XXXX responded stating I was given an early refund and they sent me a prepaid label... Which never happened as the device never arrived. 
On XX/XX/XXXX - American Express re-opened the dispute per my request as I located the emails showing XXXX getting the device back and refunding me on XX/XX/XXXX due to a XXXX error. 
On XXXX - American Express stated that the evidence and lack of XXXX responding put the dispute in my favor. 
On XX/XX/XXXX - American Express rebilled me again stating XXXX responded. They sent the exact same incorrect message as previously stating they gave me an early refund and sent a prepaid label, again false. 
On XX/XX/XXXX - I requested the case be reopened as XXXX received the device back, I never received and XXXX trying to rebill me for their mistake over XXXX months later. 

Overall, XXXX and XXXX had a system issue and the shipment was returned back to XXXX in XX/XX/XXXX. They waited XXXX  months to rebill me ; which was not accurate. American Express takes the side of XXXX even though the evidence of the emails showing the device never being delivered to my house, XXXX has no evidence they ever sent me a prepaid label as they didnt since the device never arrived to me. It's big companies supporting big companies at the sake of customers like me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

was called from XXXX XXXX XXXX XXXX was told to call them back that it would be in our best interest to do so. we are currently trying to get out of a time share with XXXX XXXX XXXX. 
this has been on going with the XXXX XXXX resort for 2 years. The collection agency has been told to contact our lawyers. the law firm we are using has also told these people not to call us. To no avail they just keep calling
Product: Checking or savings account

Overdrafts fees added for insufficient funds after money deposited but not posting in time.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Product: Credit reporting

XXXX XXXX, 2016 Credco ran a inqury with XXXX. I have wrote to the company and the credit agency. 
I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit .I DID NOT authorize this inqury!!!!!!!!!!! I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Product: Debt collection

I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Checking or savings account

On XX/XX/2022 I was XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. At this time my checking account at TD Bank contained {$290000.00}. I was the only one on the account and the bank manager XXXX met with me serval times when I first got my money that XXXX as we discussed my financial plans etc. Within the first two-three weeks I was XXXX  I had to do a three way call from XXXX  with my mom, XXXX  that deposited the money to my account and TD Bank letting them know I was XXXX  someone might have access to my account/information and that I needed my account to be frozen etc. They assured us it would be protected and I incurred a bill from my attorney for dealing with this matter. This guy I knew, that was staying at my house when i got locked up picked up my personal belongings from the XXXX  and signed for them. He didn't have permission to use any of my money and I was assured by the bank that my money was protected. However, he at that point had my debit card, truck keys, a lot of expensive jewelry, my laptop and cell phones obviously that's how he transferred, and spent my money with the devices already logged into my bank account. But TD Bank has what they call VOICEPRINT VERIFICATION haha what a joke i was XXXX  how did he pass voice verification even if he had my devices???? He was not forced to have to step into the bank branch to verify anything ( that he was not me ) he was able to order 8 different debit cards as well as transferred large amounts of money every day to his XXXX XXXX and three businesses to get money. If I myself make too many transfers myself with my own money I get flagged for potential fraud and forced to step into a branch in person to verify who i am. If I am traveling through states, I get harassed by being flagged for potential fraud. My mother received a call or piece of mail that stated the balance of my account in which we freaked out that my money was gone, and the bank was supposed to freeze my account. By time she got there in XXXX to So I gave my mother power of attorney to come from XXXX  where she lived to my house in XXXX  to handle this matter. She filed a police report for the amount of XXXX which was less than when i got locked up the bank still wouldn't do nothing. The account was in the negative and told my mom that the negative had to be paid before they had access to view my account. NO LUCK OBVIOUSLY! I was XXXX  XX/XX/2022 and went in person to the bank stated all of this even paid the negative balance on that account but then was told the account had been in that condition over XXXX months therefore they couldn't personally help me and turned me myself away. I lost my house and been homeless since I now live in XXXX  in a XXXX XXXX  and haven't had any money to hire an attorney to fight the bank for what is rightfully mine. TD BANK NOT ONLY FAILED ME AND MY MONEY BUT NEVER STOPPED HIM FROM MAKING CRAZY TRANSACTIONS ESPECIALLY AFTER THEM KNOWING I WAS XXXX. i AM SEEKING MY MONEY RETURNED AND WOULD APPRECIATE COMPENSATION FOR THE NEGLIGENCE AND LOSS OF QUALITY OF LIFE.
Product: Bank account or service

A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.
Product: Checking or savings account

On XX/XX/XXXX I opened a {$20000.00} 350 Performance Savings Account with Ivy from Capital One over the phone, noting that I was expecting the {$1500.00} bonus in 3 months. It was a good deal and XXXX never corrected my belief about the bonus. 
When I went to close the account on XX/XX/XXXX, XXXX told me I had a {$300.00} bonus, and that I would have to had deposited {$100000.00} to receive the {$1500.00} bonus. Not such a good deal.

I thought it was my mistake until I heard on the news about the lawsuit against Capital One.

Capital One keeps repeating the same scripted remarks as XXXX when I request that they provide what XXXX and I discussed. 
How do I stay informed about this issue?
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 XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that is not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX product by Transunion is a EXCELLENT credit monitoring product for me. For several days now, Transunion has SUSPENDED [ LOCKED ME OUT ] from usage of my XXXX  Account ( SEE ATTACHED ). I have tried calling Transunion about the problem, but have not received any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Email from XXXX XXXX to XXXX  on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX   customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with XXXX  and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with XXXX  on XX/XX/XXXX and received a decision from XXXX  on XX/XX/XXXX stating the following : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with XXXX.
Product: Debt collection

The account is for BestBuy and it was opened XX/XX/year> and closed Contact info ( XXXX ) XXXX BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Product: Debt collection

I have no recollection of Said Debt with Exeter Finance and would like to have this Debt removed immediately from my credit file Exeter Finance for amount of {$15000.00}
Product: Money transfer, virtual currency, or money service

I was going to buy a dog and a XXXX page contacted me saying that he had it and had to pay half before and half after I get the dog, and then I paid by the Zelle {$320.00} at XX/XX/2019, and then in a couple days he sent me a msg saying that i should get an email from the shipping company and could be at the junk, when he said that I already knew i got robbed, but i opened the email and there was saying I had to pay $ 900+ refundable to the shipping company, and then I told him that he never told me about paying that I didn't have that money, and he said yeah I know I should have told you before and bla bla bla , and then I told him that I already knew that the email was fake and if he didn't pay me back I would call the police, and then he blocked me. So I opened a case on XXXX XXXX XXXX but after one week they said that weren't their error and could not do anything about it. Hope everything is explained. 
Thanks in advance
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.