23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, someone sent me a XXXX payment of {$800.00} to my CapitalOne negative account by accident. That person wants their money back. I wish to give it back to them but since my account went from negative {$790.00} to + {$0.00} I do not have sufficient funds to return the XXXX payment. CapitalOne will not return this individual their funds and after my dispute with them, their investigation team " found nothing wrong with the transaction. '' I do not have any money to give to them, CapitalOne has robbed that person of their money. Please give this person their money back they are consistently asking me for their money which CapitalOne has. I am fully aware that once Capitalone sends this person their money back my account will go negative again, that is fine and as soon as I get a job I will bring my account back to good standings. The covid19 pandemic has really affected me financially and this has caused an even greater issue. I am unemployed and have 0 income and 0 ability to give this person any money from my own pocket. CaptialOne, believe return this money to the person. XXXX makes it clear that if you send a payment to the wrong person they by no means are required to send it back, however in this case, I am 100 % willing to give it back but the money is in CapitalOne 's hands and they are rejecting to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. 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. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( XXXX, Transunion, XXXX ) All others attached on letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach may have exposed my credit and personal information to hackers and fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX  CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Product: Debt collection

Received several phones call throughout 2015 from Trident Asset Management regarding a XXXX XXXX phone bill in the amount of {$100.00}. I asked for them to send me a statement from XXXX XXXX validating that I owe this debt and they only sent a note on their company letterhead stating that I owe {$100.00}. I found this very odd considering that I still have XXXX XXXX as a carrier for at least 8 years and I 've never had a past due phone bill. And if I did then my phone would not be in service. I explained this to the debt collector in XXXX 2015 and they completely ignored me and kept asking why I would n't pay the amount since it was very small amount. I told the debt collector that unless they are able to send documents showing that I owe this debt, then I refuse to pay. The debt collector raised her voice and I raised my voice right back at her and demanded that she tell me her name. After asking for her name at least five times she finally said it ( to which I ca n't remember it since it happened in 2015 ). I told her that she 's not to contact me via phone and they need to send sufficient documentation of me owing this debt. They never did and in XXXX 2015, this item was placed on my credit report
Product: Credit reporting or other personal consumer reports

This account is on my XXXX, XXXX, Equifax account which is part of a data breach and there are two accounts on my credit report. I have disputed this account multiple times and they are refusing to delete these accounts and proper investigation. XXXX, XXXX, equifax is under investigation for refusing to delete accounts that are inaccurate and need to be deleted. I have two accounts that are associated with opportun or pathway that don't belong to me as they can't provide a contract with my signature or any documents per FCRA.
Product: Student loan

Here 's a little story : I have private loan with XXXX, and I opted to make payments while in school to keep the balance from ballooning before I graduated. 

I noticed that my automatic payment was always debited from my bank account at the latest possible point in the monthly cycle, which meant that they were maximizing the amount of interest I paid every month ( and therefore minimizing how much of the payment went towards principal ). So I called them up, and asked them to kindly move up the date of the auto-payment to an earlier day in the month. The rep I spoke to said that it would not be a problem. 

On my next statement, they had changed not only the date of the withdrawal, but they also shifted the monthly cycle so that I would still be accruing the maximum amount of interest every month.
Product: Debt collection

My wife now my ex wife lived in home at XXXX XXXX XXXX XXXX, CA we bought home XX/XX/2005. I was the borrower she the co borrower with power of attorney for me recorded with XXXX County Recorder. I was retired and living in my home in XXXX XXXX XXXX, XXXX I can provide utility bills if necessary. I have never had a utility account at that address or signed any agreement with the city of XXXX only her or renters but never me. She was caught by IRS committing tax fraud in my name and is currently being investigated by the FBI for mortgage fraud. She stoled my identity cleaned out my bank accounts and IRA 's, liquidated my company and put the home in foreclosure numerous times. All without my knowledge. I discovered this after IRS presented us with {$87000.00} tax bill. I have requested innocent spouse relief from IRS and U.S. Tax Court and will present evidence XXXX XXXX in U.S. Tax court in XXXX XXXX. Same issue with dish network my XXXX account is in XXXX again I can provide evidence of this. She used my name with her SS # for this account. When she removed XXXX my account was with XXXX and again I have never agreed or sign anything to do with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

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

I did not consent to authorize nor benefit from these accounts. Block and Remove Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I would like Better Mortgage to be investigated for potential fraud, and at a minimum gross mishandling of a refinance. A variety of issues are at play here. 

The company provided me with a loan estimate on XX/XX/XXXX and offered a rate lock so long as I completed the initial steps. However, that rate lock was not offered to me, and Better raised the points necessary for that rate by the time they offered the rate lock, thus preventing me from locking the initial terms offered.

An underwriting agent with Better contacted my home insurance company without my knowledge and demanded that they change the address of my policy. I only found out about this and stopped it because the insurance company reached out to me. 

At closing signing, the completed paperwork was returned to me as the notary had not been provided with a shipping label. This paperwork had been opened by an unknown party and returned to my doorstep through XXXX. 

Furthermore, the terms of my loan changed nearly ten times during the underwriting and closing, including after wiring the funds to close the loan. I was asked to pay further closing costs after signing and wiring funds.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX  - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX - has violated my rights UNAUTHORIZED INQUIRY : 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 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report include the erroneous information that need to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card

Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. 15 U.S. Code 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.
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, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ''
Product: Debt collection

XXXX XXXX XXXX, on behalf of The XXXX XXXX, has a debt from XXXX  listed on my accounts with all XXXX credit bureaus that does not belong to me. It belongs to my ex-husband and his current wife. I never lived in that apartment, as it is where he moved when we separated. I have sent them proof in the form of my lease from where I was living at the time in question as well as a court document from that time listing my address. They refuse to remove this false information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only credit bureau that refuses to remove unverified information from my credit report. For the past two years, I have requested original documentation of a creditor, yet Transunion has not provided it to date. They continue to place a negative/adverse account on my credit report that is unverifiable, despite requests for valid info. This has not only lowered my credit score, but also prevented me from obtaining the best financial resources I can receive. They have refused to remove old information from my credit report and allow unauthorized inquiries. This is credit harrassment and bondage. I have a 780 - 792 credit score with XXXX and XXXX, however a XXXX with Transunion. Big Difference!! I pride myself on having a diverse credit mixture with a timely payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of disputes and an attempt to settle the balance with the merchant, and successfully paying off an agreed settlement offer, the merchant went back to my credit reporting agencies and removed my closed account status and reopened it, replacing the CLS ( CLOSED STATUS ) with a CO ( CHARGEOFF STATUS ). 

In XXXX I took advantage of the settlement offer, paying a little more than {$300.00} towards the balance to have it closed out. I was advised by the Bank XXXX XXXX XXXX merchant XXXX Recovery Department representative XX/XX/2022 that after paying off the settlement, their institution would send a CLOSED status update to my credit reporting agencies. I proceeded with this offer and ended up paying off the settlement earlier that I had agreed to do. My 1st 2 payments were XXXX and XXXX. In XXXX I paid the rest off to close out my settlement sooner than scheduled. 

During this time I continued getting Chargeoff STATUS updates on my reports. 

On XX/XX/2022, Bank XXXX XXXX finally updated my reporting agencies with my completed settlement status. 

On XX/XX/2022, I received a XXXX XXXX  increase on my credit score due to this settlement update, with a CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX for this merchant. 

Exactly 4 weeks later, on XX/XX/2022, I received a XXXX XXXX  decrease on my credit score due to Bank XXXX XXXX reupdating my credit report by removing the CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX. 

I reached out to Bank XXXX XXXX about this and their supervisor would not articulate why they did this. Rather, he tried to spin circles around me with excuse after excuse that it wasn't their fault. XXXX XXXX claimed that the above half of my credit report for this merchant was correct and that the bottom half of the report which showed the history of payments, although incorrect, wasn't important and wasn't their fault and that I needed to submit a dispute with my credit reporting agencies, eventhough I already had done so to begin with, which is what caused this mess in the 1st place. 

CONCLUSION. 

This account is CLOSED, and the merchant submitted an update in XXXX to reflect this fact. They then went in a 5 weeks later and reversed their update from CLOSED, and slammed me with a " MISSED PAYMENT '' for XXXX which dropped my score! 

THIS IS FLAT OUT WRONG AND NOW MY CREDIT WAS RUINED BECAUSE OF THEM EVEN AFTER PAYING THEIR XXXX SETTLEMENT!
Product: Credit card or prepaid card

I traded in some points to receive 2 XXXX gift cards on XX/XX/XXXX. These gift cards were to be sent via email. My confirmation number from Chase was XXXX. It said that a confirmation email would be sent and the cards could take 48 hours or longer to receive. I never received either. I did check my junk folder and there was nothing in it either from Chase. 

I called to inquire and was told that they would put in a case to research and I would hear back from them. I have not heard a word from Chase. All I want is my XXXX XXXX gift cards. Their customer service representative was not very understanding at all. She said she could not tell me when the research would be completed and to go check my junk/spam mail folder again.
Product: Checking or savings account

I opened a savings account, Savings - XXXX, with Marcus by Goldman Sachs. My account was closed by the institution without notice with a balance of {$1100.00}. The funds still haven't been returned. Please instruct the institution to return the {$1100.00} balance.
Product: Debt collection

Rent Debt Automated Collections, place this on my credit report and it's not mines. In the amount of {$6300.00} on XX/XX/XXXX. I have no knowledge of this debt. I have asked for proof of my signature any information that this account belongs to me. I haven't received anything. My identity was stolen back in XXXX. I have a police report stating that my information was stole.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX  XXXX