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

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX is missing my positive payment history from XXXX seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account # XXXX is missing positive payment history from transunion and experian. 

Account # XXXX is missing positive payment history from equifax XXXX 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00} XXXXXXXX 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 card or prepaid card

This complaint is against capital one credit card services. In XXXX of XXXX, I sent a written notification to capital one of billing errors that appeared on my statement printed XX/XX/XXXX. This is as directed per the instructions on my statement. The notification was sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX You were notified in writing in XX/XX/XXXX as to billing errors discovered on my statement. No response was ever received. 

You were again notified in writing in XX/XX/XXXX of billing errors discovered on my statement. No response was ever received. 

You were notified again in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

The card ending in XXXX was not deactivated until XXXX of XXXX. 

No response was received for any of the written notifications sent in regards to this account within the specified time period specified. 

You first responded as to the outcome of the Identified billing errors investigation at the end XX/XX/XXXX. 

My phone calls were met with extreme resistance and extreme repetitiveness, creating overall confusion as to why and what all had been included in the disputes. The subsequent fraud case which was opened unbeknownst to me was deemed closed in XXXX. 

The response I was given over the phone was that it was my fault I continued to pay for the outstanding charges on my bill that were valid and that nothing would be done further. Despite capital one never canceling the card or providing any fraud protection of any kind. I was not aware the charges had not been reversed and continue to use the card as normal having never received any written notification or further instructions. 

Additional correspondence received in XX/XX/XXXX informing me of additional charges added to the case ending in XXXX. XXXX correspondence previously stated this case as closed. 

This is a demand for remedy for the outstanding refund owed to me in the amount of {$11000.00}. 


Copies of all written notifications sent to capital one have been attached.
Product: Debt collection

Incessant calls and rude operators trying to sound like official entities
Product: Debt collection

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in close communication with XXXX XXXX  regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, Equifax, and XXXX. I have received written information from XXXX XXXX  stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, Equifax, and XXXX to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, Equifax, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, Equifax, and XXXX  within this amount of time and this resolution is completely inaccurate.
Product: Debt collection

I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.
Product: Vehicle loan or lease

On XX/XX/XXXX, I financed a car with AFC Acceptance LLC, aka Credito Real located in XXXX XXXX Florida. The amount financed, after me paying a {$3000.00} down payment, was around {$18000.00}. From the start of my loan, I have made XXXX payments. XXXX of the payments were double payments. There was also XXXX hardship deferments. The amount that I paid on my loan was {$18000.00} On XX/XX/XXXX, I contacted Credito Real to make a settlement and close out my loan. In my request, I offered a lump sum amount to pay and asked for a copy of my file to show my payments and what the balance due was on the account. Credito Real did not meet that request. Instead they emailed me to tell me to make a payment to bring the payment into right standing. I conta XXXX them XXXX more times regarding this via email. Each time, I received the same response. 

On the evening of XX/XX/XXXX, I called the Escalations and Recovery department. The representative told me that my balance due on the account is {$18000.00}. There is a huge discrepancy in my calculations of what I owe and what the remaining balance is showing with Credito Real. I believe the company has overcharged me and has added in extra interest, in addition to not entering in my payments.
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX , National Credit Systems-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Checking or savings account

My accounts were being accessed by someone other then myself and i wanted to close accounts over the phone, they said i could not until i spoke with there security team who could not resolve the issues from the beginning. I have a terminal medical condition and try to avoid going physically areas with due to that fact that i am susceptible to becoming seriously ill. i do not wish to talk to there security team to simply close accounts and made multiple phone calls but it only ended in them taking in circles keeping me from closing my accounts and causing more stress then need be. There is not a significant amount of money in the accounts to begin with. Their systems put my personal information out to the world so i do not wish to bank with them anymore and just have my accounts closed that have been compromised.
Product: Credit card

XX/XX/XXXX. I searched online for a used XXXX XXXX XXXX XXXX XXXX XXXX. I found a website called XXXX  I called and spoke with a sales rep and purchased a {$3000.00} used engine. I was told it would arrive in XXXX business days with all my packing information on a pallet. It was scheduled to be delivered to my job by freight. XXXX weeks passed. I remained contact with the sales rep during this time and was told it was delayed or missed the truck. After a few more weeks I disputed the charge with visa. This is now almost XXXX, XXXX. The sales rep started to refuse my calls, texts, voicemails and emails. I provided documents containing the dates, item, sales amount and contact attempts to the merchant. The bank temporarily refunded my {$3000.00} while waiting for a merchant rebuttal. A rebuttal was received in XXXX stating I own & operate a business website called XXXX and I own XXXX XXXX XXXX with XXXX. It also states I have purchased {$160000.00} in XXXX advertisement for this account. The bank then took back the {$3000.00} and has now concluded the dispute as a valid charge. I have attempted to contact XXXX to see if I can receive documents proving I do not own any advertising accounts with them. They were unhelpful as they stated XXXX is a consumer run product. This charge has now affected my credit due to the bank reporting non payment. Once again. I purchased an engine online and it was never received. The merchant states I purchased more advertising for my non existent website and account. I researched the website on the rebuttal and it comes up on scam trackers website. I dug a little deeper and the website is owned and operated by a man in XXXX. All of this found information was sent to the visa dispute center. No resolution is attempting to be made to help rectify my fraudulent charge. I am beyond upset it has now taken almost XXXX months of my time and the dispute center does not want to do their research on an obvious fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AKA 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 XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and i went through a financial hardship due to her being pregnant fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure. 

Account- XXXX XXXXXXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid
Product: Debt collection

I would like for MONTEREY COLLECTION XXXX to show proof of verification that I owe them {$300.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Debt collection

I got into some debit with XXXX XXXX struggling to pay they decided to sue me i decided to get a lawyer so I called them to let them know and when I did They started to Threaten me Saying, why did I get XXXX If XXXX just gon na lose and its pointless because XXXX going to lose and be off worse and garnish my wages and put on a lien on my house.
Product: Credit reporting or other personal consumer reports

I have asked for inaccurate information to be removed from my credit report over and over again from the bureau and from the creditor and they keep posting inaccurate information. Please help before i have to file litigation for restitution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1988 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.
Product: Mortgage

SEE CFPB Complaint : XXXX. Originally called the mortgage company and filed a complaint. They then deleted a bunch of payments and applied them EVEN more incorrectly. Causing me to incur HIGHER interest payments due to them applying the payments to the principal on XX/XX/2020 verses when they were actually done several MONTHS ago. I can NOT comprehend why this is so difficult for them unless they have monkeys working there. I have attached the original attachments and the new payment history to show the FRAUD this company is attempting to do to my loan. SEE cfpb Complaint : XXXX for original details at issue here.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 3 inaccurate inquiries on my consumer report see attached
Product: Payday loan, title loan, or personal loan

Every month NETCREDITXXXXXXXX XXXX report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime NETCREDIT/XXXX XXXX  report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n
Product: Checking or savings account

Called Citibank XX/XX/2021 to close account. Was informed that the account would be closed in 1 to 2 business days and a check mailed within 5-7 business days. Despite multiple calls to Citibank over the ensuing 2 weeks, the account still has not been closed. During subsequent calls different people provided time frames as long as 10-15 business days to get the account closed. As of today, XX/XX/2021 the account is still open.
Product: Credit reporting or other personal consumer reports

I separated employment from XXXX XXXX XXXX  in XXXX of 2024 due to a family relocation. At that time, the firm was not licensed to do business in California, if they were I would have stayed. Upon joining the firm in XXXX of 2024 I was paid an hourly wage which was clawed back against commissions earned. The company also paid a sign on bonus spread out over XXXX pay periods, which the company earned back due to performance. 

The company reported through a collections company that I still owed that {$10000.00}, which is incorrect. I spoke with the companys legal team and they were supposed to provide documentation but they did not.
Product: Money transfer, virtual currency, or money service

I need Bank of America to immediately recover and return to me all money and fees associated with an international wire transfer I submitted several weeks ago, in which my money was apparently " lost in transaction ''. 

I am a long-time client with Bank of America. On XX/XX/2019, I submitted an online international wire transfer with Bank of America. The wire was in the amount of {$2000.00} ( XXXX XXXX XXXX XXXX XXXX ), issued from my personal account with Bank of America to my personal dollar account in XXXX with the bank " XXXX XXXX XXXX XXXXXXXX '' ( XXXX ). 

All information submitted for the online wire was correct : the IBAN number I was asked to submit was validated as the correct receiving bank, XXXX. ( See attachments ). Following the online transaction, I received a notification from Bank of America that the wire had been completed. However, upon reading the notice, I discovered that the receiving bank mentioned on the notice had been incorrectly designated. ( See attachments ). My money never arrived. Neither Bank of America, nor my XXXX   XXXX, seem to know where the money is currently held. 

Apparently the wire was momentarily in the possession of the XXXX XXXX " XXXX XXXX XXXX XXXX XXXX '' ( XXXX ). This bank functions as the international intermediary in XXXX to Bank of America. XXXX claims the money was in fact returned to Bank of America on XX/XX/XXXX, following a " Reclamation '' initiated from Bank of America on XX/XX/2019. Bank of America claims they never received the funds. 

At this point, neither bank is taking responsibility for the missing money. Each bank is blaming the other and no serious attempt has been made from Bank of America to recover the money. They have seemingly washed their hands of the affair. Nine weeks have passed since I submitted the wire, and I am now in serious need of recovering the {$2000.00}. Please assist in this matter, so it can be resolved. The problem sits squarely with Bank of America, since they are responsible for any errors arising from their intermediary banking partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$740.00}