23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that a balance of {$610.00} had been reported to the credit bureau on XX/XX/year>, despite my XX/XX/year> credit card statement showing a XXXX balance. The reporting was both late and incorrect. I submitted a dispute with Capital One on XX/XX/year> through XXXX, but it was denied on XX/XX/year>. 

On XX/XX/year>, Capital One reported a {$3800.00} balance, but I had not yet received a statement. I made a payment to Capital One on XX/XX/year>. My payment due date is XX/XX/year>. My cycle end date is XX/XX/year> and my statement date is usually the XXXX XXXX of each month depending on the cycle end date. The balance was reported too early and is inaccurate. 

Capital One stated that my account was set to report in XXXX days which would be XX/XX/year> and nothing had been reporting as of XX/XX/year>. 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX This senior account manager was extremely rude and aggressive and spoke over me several times. He stated that my due date is XX/XX/year> and my cycle end date is XX/XX/year>. I explained to him I paid before both the due date and cycle end date. I have not received my statement ; therefore, a balance should not have been reported on XX/XX/year>. He said I must contact the credit bureau and that has nothing to do with Capital One. I asked him, doesnt Capital One report the balance? How would the bureau see my credit balance without Capital One reporting it? 

I asked him to transfer me to someone else and he said there was no one else I could be transferred to. He also asked me If I thought he would be going back and forth with me if he could transfer me to someone else? '' He said managers above him do not accept calls and that my only 2 options would be to call back and speak to someone else or write a letter. He cut me off to reiterate my 2 options ( stated above ) about 4 times. I was disrespected and rushed off the phone with the repetitive as I stated before, here are your options from XXXX. I asked was the call recorded, and he said it was. I asked if there is a call ID I could reference, and he said there was not. I dont know how this person could be a senior account manager with the customer service skills he provided to me today. He kept apologizing that I did not like my options, but my issue wasnt the options, it was how he spoke to me from the moment my call was transferred to him. I asked him to file a complaint since he couldnt transfer me to anyone and within 20 seconds, he said the complaint was filed. I do not believe it was filed. I did not receive a reference number for the complaint. I urge Capital One to get account managers who want to do their job and more importantly to speak to customers with respect. I felt very defeated when that call ended. 

I was on the phone with Capital One for a total of XXXX hours on XX/XX/year> and its very unfortunate that no one helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, yet I have tried several times to have transunion to remove incorrect information. Transuion have my name as XXXX XXXX XXXX XXXX. 

Im not a XXXX, yet along a male. I have sent over my drivers license several times along with a bill to show proof. 

Please correct my information!
Product: Debt collection

Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.
Product: Credit card or prepaid card

XX/XX/22 XX/XX/22 Hotel Reservation XXXX XXXX XXXX  # XXXX {$710.00} ( Fake phone number ) I have filed at least XXXX disputes for this transaction and they keep disappearing. 

They made me pay it and I still have not gotten a refund. Called many many times. XXXX XXXX disputes claims. Not getting anywhere. LOOP
Product: Mortgage

Hello sir or madam, My name is XXXX XXXX. I had send check X/XX/2017 some how check was returned to our bank the check was applied to mortgage on X/XX/2017 was returned for non - sufficient funds. I send two check one for was late payment the other one was next mount. Than I call the mortgage company the lady on the phone I have paid right now than It was n't late fee will be involve. I made over the phone with my business check credit card. So far I have n't skip any payment they keep sending late payment notice. I call them this was a mistake unfortunately they do n't take seriously what I was telling them. I have I document that showing I had my payment. We ca n't make any progress. If there was a way I need to approach them please let me know. My contact number is XXXX XXXX XXXX email : XXXXXXXXXXXX. Loan company name is BSI Financial Services. Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Request of purchase agreement along with a debt validation letter no response
Product: Money transfer, virtual currency, or money service

Paid an unauthorized downpayment transaction on a vehicle at the dealership in a consumer finance charge and everything was not included in the finance charge, such as insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XXXX XXXX XXXX but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed inaccurate credit reporting to both XXXX and XXXX. XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX is reporting a balance of {$1000.00} however, a recently make a payment of {$530.00} directly XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank initiated a dispute of two auto loans on my Credit Report that I did not authorize. XXXX Bank performed this illegal dispute of the automobiles paid through their company in an attempt to verify two charge offs that XXXX bank is reporting. The dispute of my automobiles were not requested and not legal. XXXX Bank is standing firm on their decision to illegally perform disputes and reporting information they can not verify. CFPB please investigate XXXX Banks reason why they disputed information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 ( 3rd complaint ) There are numerous errors on my credit report with Equifax and they will not fix them!!!! I have contacted them three times now and their system will not allow me to file a new dispute even though the information they are reporting is inaccurate and therefore slander, Libel and defamation!!! I am a XXXX  XXXX   and it is harming my reputation!!! XXXX XXXX XXXX who I financed my car through and NEVER WILL AGAIN, is reporting numerous inaccuracies and withholding reporting the good credit on me, intentionally!!!! 

I took out my loan in XX/XX/2019 made my first payment in XX/XX/2019 on time, paid XX/XX/2019 on time, paid XX/XX/2019 on time, then in XXXX fell behind 8 days past the 30 day mark due to choosing to switch my banks after 15yrs due to their errors ( XXXX XXXX XXXX ) and so was waiting for the XXXX XXXX XXXX to move my direct deposit which took a month, I paid them as soon as it was in my account. They are reporting it as 60 days late on my Equifax report. At this point that not only reported it incorrectly at 60 days late, but also reported my actual payment at {$1700.00} when it is only {$590.00} mo.,  then they quit updated my credit report to get back at me for being late and did not report on-time payments going forward for XX/XX/2019 and XX/XX/2019. I basically made on payment a few days late out of all payments and now they intentionally jacked up all information on my credit report and numerous others have complained of them doing the same online!!!! I want this corrected now and have also filed a complaint with the IL Attorney General and have contacted my lawyer for a possible lawsuit!!!! 

I also want corrections made to all three credit reports and corrected copies mailed to me, the IL Attorney General and the CFPB within a week of their receipt of my complaint. They have had several months now to fix the errors and have not, this is a direct violation of the FDRA and the IL Attorney General also needs to hold them accountable for this along with the other regulators!!!!! 

I want my account information correct with all three credit bureaus, showing all payments made on time and even the one time late due to all of the problems they have caused me, I also want my actual payment amount corrected to the truth {$590.00} and corrected copies of all three credit reports mailed to myself, the IL Attorney General and the CFPB within a week of them receiving this complaint!!! I also want the regulators to do their jobs and fine and shut these businesses down for breaking the FCRA and other laws!!!!!! If they are too incompetent to do their job correctly they need to be shut down!!!!
Product: Checking or savings account

I completed a bonus offer, but have not received the bonus. I asked Citibank to review my account and they claimed I was not eligible for the bonus because my account was closed. However, my account was open when I contacted Citibank. They closed it without me asking them to after I inquired about my missing bonus. Regardless, my account was open when I met the bonus requirements so I should have received it within the stated timeframe. 

Here is a timeline of events on the account : -I opened the account on XX/XX/year> -The Direct Deposits were made on XX/XX/year> and XX/XX/year> That completed the requirements for the bonus offer and the {$300.00} bonus was supposed to post within 30 days or by XX/XX/year>. 

My account was open and in good standing on XX/XX/year>. There was a positive balance in my account still. There is no reason why I should not have received to bonus offer. 
I was charged account fees in XXXX, XXXX, and XXXX of 2024 which further proves that my account was open when I met the bonus requirements.
Product: Debt collection

I have disputed this claim with CONVERGENT OUTSOURCING 3 times now. This is a fraudulent claim due to identity theft. I filed a police report. Ive never lived in a trailer park, lived in XXXX or surrounding area, nor setup service with XXXX XXXX at the address. I have been a victim of identity theft through a major data breach.
Product: Debt collection

In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Date : XX/XX/2021 Balance : {$3400.00}
Product: Checking or savings account

Bank of America needs to let me resolve the fees on my account
Product: Debt collection

On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called Midland Credit Management they referred me to XXXX XXXX  XXXX, as they had purchased the debt. 

I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before. 

I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXXXXXX XXXX XXXX  I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX and XX/XX/year> I have written XXXX, TransUnion and XXXX about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.
Product: Money transfer, virtual currency, or money service

My account has been suspended 4 times now for what XXXX  can not give me a reason for. I have been asked to verify my identity 4 times, change my password 4 times and deal with what they call their " account specialists team '', only through email. Who choose to reply to my inquiries, generally, around XXXX multiple days after I email them. Every attempt I have made to actually speak with a member of this " account specialist team '', in a live, real-time conversation has been given a response of " they only converse through email. '' I have {$240.00} in my XXXX  account, yet I can not transfer it to a debit card because the " SYSTEM '' will not let me add one. I can not instant transfer to my bank account because the " SYSTEM '' will not let me. I can not send the funds to another person because the " SYSTEM '' will not let me. Every representative and supervisor tells me that they are not able to override the " SYSTEM ''. This " SYSTEM '' is apparently blocking me from accessing my funds and not only are the representatives unable to fix it, they can not even tell me WHY it is happening. They tell me that there are no issues or restrictions with my account. However, there clearly are. They then instruct me to " try again in a little bit. '' Then I wait a, " little bit '', and attempt to try adding my card or transferring the money again, and it suspends my account for too many failed attempts. I am furious
Product: Debt collection

I filed a complaint XXXX XXXX XXXX on XX/XX/19 for harassing me about a debt owned by LVNV Funding LLC. I do not owe the debt and XXXX was not following the requirements of the Fair Credit Collections Act. My request was the the debt be cleared from their rolls because it is not my debt. They responded that they would do so and stop contacting me. I had disputed the debt with XXXX and never received proof of the debt. 

LVNV Funding has now forwarded the debt to another debt collector, Resurgent Capital Services. This is a campaign of harassment by LVNV Funding to force me to dispute the same debt multiple times to wear me down so they can seek judgement against me in court even though the debt is not mine.
Product: Payday loan, title loan, or personal loan

My husband passed away on XX/XX/XXXX and I was unaware of a consolidation program with consolidation plus. My husband was working with freedom debt but I was unaware of the process and what was needed. I reached out to Freedom debt once my husband passed but they stated the process is with Consolidated debt whom I never heard of. My husband had been in out of the XXXX  since XX/XX/XXXX. He was on lots of XXXX XXXX for XXXX XXXX XXXX XXXX  as well as a XXXX XXXX. Now XXXX XXXX is still sending him bills and is not willing to close the account even though I provided his death certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account number XXXX