23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Capital One Bank ) - {$730.00} Date Opened - XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

The inquiries below I didn't authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting or other personal consumer reports

I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : XXXX. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


XXXX. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


XXXX. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., XXXX, Equifax, and XXXX ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive checked my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser to see if it was just a glitch, but no, the errors were still there. They didnt disappear after refreshing, which only made it worse. Now, Im asking for the documents Ive submitted to be thoroughly reviewed so I can stop worrying about this situation.
Product: Checking or savings account

Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. 

Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. 

In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. 


Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. 

Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. 

If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. 

Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. 

When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. 

I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.
Product: Debt collection

XXXX is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over 9 years old and they have an account number that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX  ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

I found a debt collections on my credit report when I investigated the debt I found out it was for a claim from a building I used to live in from XX/XX/XXXX - XX/XX/XXXX. Upon moving into the apartment in XX/XX/XXXX I was asked to take out insurance in the event something happens in the final month of my lease. Low & behold, the pandemic happened & I was unable to pay the final month however my insurance with XXXX  covered it. In XX/XX/XXXX is when I realized the collections. Apparently the creditors at National Credit system bought the debt back in XX/XX/XXXX however it was paid on XX/XX/XXXX. I disputed this debt multiple times in XX/XX/XXXX however each time the creditors validated the debt. It is a gross mishandling of this account as they did not check with the original debtor if the debt was paid and continued to not only validate it but also refute the details with me over the phone. 

I sent the emails attached to National Credit Systems however they have not been communicative despite their mishandling of this debt for the last 10 months.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with XXXX, XXXX, and Equifax, Upon careful review of my credit reports, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which inaccurately reflects the current status of the account. While the account may have experienced past delinquencies, it is currently being paid as agreed. Therefore, the account status should be updated to accurately reflect that it is " Paid as agreed '' or " Current. '' Inconsistent Payment History : The account history indicates past delinquencies, with XXXX reporting past due status multiple times. However, there is inconsistency among the credit bureaus regarding the reported delinquency periods. This discrepancy requires clarification and correction to ensure accurate reporting of payment history. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. While XXXX and XXXX report a balance of {$6.00}, Equifax incorrectly reports a balance of {$0.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/2024, while Equifax reports a different date. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit card or prepaid card

I am victim of ID theft. A thief used my information to open a Capital One credit card using my personal information. I do not know how this person got my information, or who is doing this. This credit card was opened around XX/XX/XXXX, I discovered this XX/XX/XXXX. I reported this to Capital One as fraud and also XXXX. XXXX submitted documents on my behalf to verify my information with Capital One and to start a fraud claim with Capital One to get this resolved. During this process many documents were sent to Capital One and finally on XX/XX/XXXX my XXXX agent reached someone in the Capital One fraud department named XXXX. XXXX told my XXXX agent that this Capital One card was closed as fraud on XX/XX/XXXX and would submit a request for a letter to be sent to me showing this is closed. Then on approximately XX/XX/XXXX I started getting more statements in the mail with Capital One requesting payment from me. Then to add insult to injury they have now reported this to a collection agency called XXXX XXXX XXXX ( XXXX ). Capital one needs to recall this fraudulent account from XXXX XXXX XXXX ( XXXX ) and get this closed as fraud again in their system and stop harassing me for something I did not do, was not a part of, and did not benefit from. Furthermore, if they feel the need to hold me responsible I need more of an answer than, " We didn't suspect fraud. '' What concreate evidence and documents do they have showing this? I need all these documents they are using to deny my claim.
Product: Credit reporting or other personal consumer reports

XXXX has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}
Product: Credit reporting

I am disputing accounts that I know are not mine. The dispute process is a complete waste of time since they do not do anything to confirm the debt except ask a computer from the company reporting if the information is correct. This is not a proper way to verify anything and if they are complying with the laws then the laws need to be changed. I have XXXX collections on my report and both of them should be removed yet they wo n't make the companies involved prove anything but yet they continue to lower my credit score because of their inability to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute incorrect report of late payment. Mailed off my payment to capitalone
Product: Vehicle loan or lease

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 Subject : Violations of United States Codes related to Downpayments and Truth in Lending Laws Dear westlake financial and XXXX XXXX  XXXX XXXX, I am writing to address a matter of significant concern regarding my recent experience at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I entered into an agreement for a car loan with your institution. During the process, I was subjected to high-pressure sales tactics and, most notably, encountered discrepancies in the handling of downpayment requirements as well as the provision of accurate information about the loan agreement. 

It is with great disappointment that I bring to your attention the violation of pertinent United States Codes, specifically 15 USC 1605 and 15 USC 1662b, related to downpayments and full disclosure of truth in lending. It has come to my attention that your institution engaged in practices that not only contradict the principles of these regulations but also undermine the integrity of the lending process.

Under the Truth in Lending Act ( 15 USC 1605 ), financial institutions are legally obligated to provide accurate and comprehensive disclosures to consumers, ensuring they are fully aware of the terms, conditions, and costs associated with the loan agreement. The practices I experienced at [ Financial Institution 's Name ] have raised concerns about the adherence to these regulations. Specifically, I was misled and coerced into an agreement that did not reflect the advertised terms and the true nature of the loan.

Furthermore, Regulation B ( 12 CFR 1002 ) and Regulation Z ( 12 CFR 1026 ), which implement the Truth in Lending Act, require that all terms of a credit transaction, including downpayment requirements, be clearly communicated to the consumer. The high-pressure sales tactics I faced obscured the proper disclosure of downpayment obligations, which directly contradicts the spirit of these regulations.

In light of these matters, I strongly urge XXXX XXXX XXXX XXXXXXXX to rectify the situation promptly. I expect a thorough review of my loan agreement, an accurate representation of the downpayment terms, and a transparent disclosure of all costs associated with the loan. I also anticipate a written response detailing the actions taken to address the violations mentioned and my downpayment returned above to ensure that such practices do not persist within your institution.

Failure to acknowledge and address these concerns will leave me with no choice but to escalate the matter to the appropriate regulatory authorities. I believe in fair and ethical lending practices, and I trust that your institution shares the same commitment.

Please provide a written response within 30 days of receiving this notification. You can reach me at ( XXXX ) XXXX or XXXX to discuss this matter further. I appreciate your immediate attention to this issue and look forward to a timely resolution.
Product: Credit card or prepaid card

XXXX XX/XX/2019 {$26.00} XXXX cash rewards, Recurring charges since XXXX. I have called in over 15+ times. I have asked for someone who speaks English. I have asked for a supervisor every time. I am told customer service does this job. I call customer service, and they tell me I need to talk with Fraud. I call Fraud, and I verify myself. I explain whats going on, and I am told they can not help me. I ask for a Supervisor again, I get XXXX she has no idea whats going on, why I am calling and says she can not help me. I have been calling since XXXX. The reoccurring charge keeps happening and now there is more Fraud.
Product: Payday loan, title loan, or personal loan

I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled
Product: Vehicle loan or lease

On XX/XX/2019 I traded in a vehicle and purchased a new vehicle at XXXX XXXX in XXXX VA. The payoff quote was {$24.00}, XXXX. I called the dealership constantly to see if they had paid the previous loan off and I kept getting the run around. I was told not to make the car payment on my old vehicle because the dealership would payoff the loan. The car payment on the turn in vehicle was XX/XX/XXXX. After numerous calls to XXXX XXXX I was told today XX/XX/XXXX that I owe them an additional {$170.00} for the title. They have not sent a check to the previous finance company for the trade in vehicle and said they can not do so until I pay them {$170.00}. They said that I signed a form saying I would pay the difference which they could not produce. I was told that the reason why it wasn't paid within the 10 days was because they were busy.
Product: Credit reporting or other personal consumer reports

The letter is a formal request addressing the verification of accounts listed on a credit report under the Fair Credit Reporting Act ( FCRA ). The individual, XXXX XXXX, is demanding that the credit reporting agency provide verifiable proof ( the original signed consumer contract ) for any listed accounts, specifically the XXXX XXXX XXXX account, in compliance with Section 609 ( a ) ( 1 ) ( A ) of the FCRA. The letter emphasizes that without this verification, the accounts must be removed from the credit report, as failure to verify the accounts has negatively impacted the individuals ability to obtain credit. 

Additionally, XXXX XXXX that : The XXXX XXXX XXXX account be deleted for non-compliance with FCRA regulations. 
All non-account holding inquiries over 30 days old be removed. 

A XXXX Suppression be added to their credit file. 

The letter concludes with a request for action and a signature from the individual. A copy of the dismissed judgment was attached to the request per a XXXX XXXX judge. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

Home was foreclosed on XXXX/XXXX/2016 while file was under active review for a modification.
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX CHARGEOFF ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXXXXXX XXXX XXXX {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A XXXX XXXX XXXX XXXX INCOME CANT BE REPORTED. 

XXXX, XXXXXXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX LAST ACTIVITY XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX XXXX XXXX {$970.00} EXPERIAN, XXXXXXXX XXXX XXXXXXXX XXXX XXXX OFF ( LAST ACTIVITY XX/XX/XXXX. XXXX BUT OPEN DATE IS XXXX XXXX. XXXX ) XXXX XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX LAST ACTIVE XX/XX/XXXX BUT OPEN DATE IS XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXXXXXX LAST ACTIVE XX/XX/XXXX BUT OPEN DATE XX/XX/XXXX, THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.
Product: Credit card or prepaid card

on XX/XX/XXXX I was charged XXXX on my apple card ending in XXXX. I began receiving hundreds of spam messages and mixed in the middle was a XXXX  receipt from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States for Invoice # XXXX XXXX XXXX XXXX XXXX ( XXXX sq. ft. ) XXXX  hours {$1200.00} Includes... 
- Interior/Exterior Photography - AI Post-Production Enhancements XXXX FREE Blue Sky Replacement for Cloudy Days on up to 5 photos - Comprehensive On-Site Layout Assessment. 
- Branded 8.5 '' x 11 '' PDF Floor Plan suitable for printouts and brochures. 
- Unbranded Floor Plan linked directly to MLS once listed. 

I have no such building for onsite photography and assessment. if this were authentic, an address and connection to be would be easily produced. 

the charge was upheld on XX/XX/XXXX. 

I reiterated the fraudulent and authorized nature and requested their gathered evidence. no evidence was provided and the charge was restored on XX/XX/XXXX.