23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 I personally went to CapitalOne Bank XXXX branch to collect the stolen funds by unknown theft XXXX XXXX. The stolen funds in the amount of {$79000.00} plus 20 % interest, {$100.00} late fee/per month, {$150.00} travel expense, 14 hours collection time, pain, suffering NEVER paid for 3 years. Theft XXXX XXXX NEVER went to jail for her theft behavior. However the branch manager XXXX XXXX XXXX began to blaim me as a victim. He stated that " because of your behavior, the bank closed all of your accounts and mailed you a cashier 's check {$9.00} on XXXX XXXX, 2016. You can not access the Capitalone branches anymore. '' I feel I was mistreated that I lost my savings for 3 years and never received anymore payback. However he began to take my advantage to let me leave without paying stolen funds back which belong to me. I was also shocked that what type of behavior I have? He lied. I just followed what the customer service told me to go to branch to collect stolen funds. I have asked him the corporate office phone number however he only gave a customer service phone number. I walked out of branch to filed a complaint to customer service Rep XXXX XXXX. On XXXX XXXX, 2016 I was called by a CapitalOne customer service Rep XXXX # XXXX at XXXX. She said she can contact branch regarding my complaint and stolen funds, but I waited 15 minutes she never had any answer. I am extremely angry about my stolen savings not only I need it to pay my daily living expenses, but also I lost lots of promotional bonus, interest, earning opportunities by other means for 3 years. I have NO choice but to file another complaint to ask my stolen funds to be back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Checking or savings account

Reported false information to XXXX and XXXX XXXX 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/2023 Dispute Case ID : XXXX Bank Name : Bank of America Reference # : XXXX
Product: Debt collection

Received email on XX/XX/XXXX from Amsher Collection ( account XXXX ) trying to collect an debt from Charter Communications LLC ( XXXX ) in the amount of {$120.00} from original amount of {$260.00} dated XX/XX/XXXX. 

I do not owe this bill and never open an account with Charter Communications at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I no longer live at this property, which the property has been sold. I have been a permanent resident in the state of XXXX  since XXXX. 

I tried to reply to collector through email of the sender address to dispute this debt however the email was returned " failure address not found ''
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any.

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ).

I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation.

The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above.

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX   XXXX   # XXXX  XXXX # XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An inaccurate account transaction from XXXX XXXX is being reported on my Equifax credit report which should have been deleted upon failure to verify the alleged debt. 

I have never done any business with XXXX XXXX and have never entered into any contractual agreements with the company. After disputing the information with XXXX XXXX, the company has agreed to instruct Equifax to place the item in dispute. See attached. 

Equifax has failed to take reasonable procedures to ensure that the account information is 100 % accurate and that proper consent was given for the information to be furnished and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX ( Capital One ) has violated my rights, 2017. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times in regards to these inquiries that I need removed, I did not authorize these inquiries. There was an identity theft alert put on all 3 of the Bureaus, because of this issue months ago, and Equifax still has not removed them from their report. Because of this, I have been declined for funding I need to start my business. The last letter was dated XX/XX/XXXX, in which Equifax responded with these inquiries are factual and will remain on my file for 2 years. 

Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6300.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered merchandise on the web but never received anything. No notification of status and I was never billed!! 
The company said it was delivered but could not produce any proof. 
The first I heard about this was a call from a collection co. I told them what happened as instructed I faxed a letter to them. 
Equifax got involved and said they would investigate. My credit score dropped 100 points. I offered to pay the amount in this dispute just to get my credit score raised. This was refused by both the collection co and the merchant. 
What do I have to do to rectify this?
Product: Debt collection

Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX  to be filed at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached information.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XX/XX/XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are inaccurate and unverified on my credit reports multiple times, and the credit bureaus have only marked the item disputed. I have never received results from the bureaus, and I have never received any information about the accounts at all! I am really upset about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Just the other day I ran an Experian credit check and much to my surprise, I had issues on my report. There was a joint application for a closed XXXX XXXX XXXX. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the Experian report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : XXXX XXXX  XXXX. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at XXXX.
Product: Credit card

I received a letter via mail postal service from Citi Bank. The letter stated " Please be advised that your card was closed on XXXX/XXXX/XXXX as your account may have failed reissue due to late payments, going over accounts which are not in compliance with terms of the Citibank Card Agreement ''. I called customer service XXXX on XXXX/XXXX/XXXX. I spoke with a representative as to why my card was closed and why they are not reissuing a new card. Only thing that they could tell me is because of my activity and that 's it. That 's not a legal reason to close my account. This is unfair and is an act of bullying.
Product: Credit reporting or other personal consumer reports

I dont recognize the address and name on report. Would you please remove the names and addresses from report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Borrower is in a reverse mortgage. He fell behind on the taxes and insurance due to medical expenses and was not able to pay. We understand the Wells Fargo paid the past due amounts. XXXX entered a repayment plan in XXXX 2016 payments to be {$220.00} a month. Wells Fargo claims that XX/XX/XXXX and XX/XX/XXXX payments were not made however borrower has proof of payments. He paid with personal check # XXXX for XX/XX/XXXX and check # XXXX for XX/XX/XXXX Each month borrower would received the coupon statement with the dollar amount due ( {$220.00} ). He was never aware of missing payments. His argument is if he was past due why would n't the past due amount reflect on his monthly coupon payment? By the time Wells Fargo did send him a letter that was in XX/XX/XXXX his account was past due and now Wells Fargo is stating he broke the repayment plan and now is at risk of foreclosure. He spoke with XXXX which she confirmed payment was received and said she would apply to account. We called in today and spoke with XXXX. She informed us that in order for XXXX XXXX to be reconsidered for another repayment plan, he would need to bring his account of {$13000.00} balance to less then {$2000.00}. Borrower is unable to pay such large amount, however his wife is now in better health and has started full time work this week to help with this situation. They are desperate to save their home. They have applied for the state program Save our Home XXXX program but unfortunately XXXX Dept of XXXX does not assistance with Reverse mortgages. Borrower has called numerous times to Wells Fargo to resolve this issue and keeps getting the run around. He did not break the payment plan and he can also provide proof of insurance but has n't because he has been told the plan is broken and now is facing foreclosure. If Wells Fargo is willing to work with him he will provide evidence of insurance and also can pay up to {$300.00} a month to save his home. Please help them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes complaints with Equifax, XXXX and XXXX complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 we purchased a money order to pay for rent, for the amount of {$1000.00} which was dropped off at the post office to deliver to our property management. The money order was stolen and cashed at a Wells Fargo, the MO was written to XXXX and someone else cash it because they never received it. We tried doing a claim directly with Money order with no success, we filled a police report and also no success, and we even filed a claim with the payer, Wells Fargo with also no success. They couldn't do anything to help us, this is why I'm writing this claim, it's {$1000.00} which hurts us financially. I am trying to do everything I can to get that stolen money back.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. XXXX. WITH A REPORTED BALANCE OF {$1600.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting

This complaint adresses how the XXXX has been illegally reporting XXXX collection accounts to the XXXX credit reporting agencies, Equifax , refuses to remove these errors after repeated investigations. The original creditor is the XXXX XXXX XXXX for both accounts in which I went to the XXXX on XXXX seperate occasions. 
1. Acct # XXXX {$280.00} 1.The date that my payment was delinquent was XX/XX/XXXX. A single collection account can not have different dates that they will be removed from each credit reporting anency. 
2. Acct # XXXX {$140.00} This became late XX/XX/XXXX 3. Credit consulting acct XXXX {$110.00} The Orig creditor-XXXX never sent me a bill and I was never told what the charge was for and they are not sure the debt was mine because the address information is not mine. The XXXX agency removed these accounts from their report on XX/XX/XXXX and my dispute with Equifax was ignored. 
Additionally, I have repeatedly demanded proof of the debt so I could attempt to verify the correct dates and have been repeatedly ignored. Both credit reporting agencies do not give me any documents that show me how the verified the debt. The collection agency will not give me this information either. They will of course send me a bill to verify the amount on the account, that I am not disputing, I also wanted to point out that Equifax and XXXX report both of the accounts as closed and open. I want to verify the date accuracy of the XXXX debts. If the closed account has wrong information it should not be reported on my credit file. I have attached the XXXX report and Dispute report & Eqiifax report, as well as the XXXX before the dispute. Additionally, I have tried to find out the correct dates of delinquency by filing a complaint through your agency before but It has been hard to articulate my problem until now. I never received the proof of the debt that showed any dates and have requested this information from the XXXX & the CRA 's. Please help, the end dates for each collection account should be the same on all XXXX credit reports. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Product: Credit card or prepaid card

I had auto-pay set up with my Bank of America ( BoA ) travel rewards card to pay for the " amount due '' since XX/XX/XXXX when I first obtained the card. The setting was never changed and payment always went through correctly paying the full amount due until XX/XX/XXXX when suddenly only {$25.00} ( " minimum due '' ) was drafted. I was charged a fee. I called BoA and had a 3-way conversation with Bill Pay and credit card, I paid the rest due and was told during this conversation that to have the full amount paid, I should check " statement balance. '' Although I find it odd ( why was the minimum was paid when that was never the selection ), I followed the recommendation and changed it to " statement balance ''. The fee was refunded as promised. However, in XX/XX/XXXX, {$1900.00} was drafted from my XXXX XXXX checking to pay for {$320.00} on my balance. Thus my account was over-drafted for {$1600.00}. I called BoA when I discovered this 3 days after it happened on XX/XX/XXXX, and was told that they can refund it but it 'll take 5 days. After I noted that this should never had happened in the first place, the manager I spoke to said it 'll be expedited to 24-48 hours. Today is XX/XX/XXXX and BoA still owes me {$1500.00} ( after deduction to pay for a recent purchase ).
Product: Debt collection

The collector says I owe {$1300.00} for breaking a least with XXXX XXXX  XXXXin XXXX, NC in XXXX, they sent me a copy of the lease from XXXX, that shows a lease from XXXX, told them I moved to XXXX, NC XXXX XXXX, ask them to send me lease that showed I was there and to remove from my credit report they haven't done either