23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I initiated a {$10000.00} transfer from my Capital One account to my XXXX account. I am the sole owner on both accounts. Capital One unduly profiled the transaction as suspicious based on discriminatory reasons, froze my accounts and notified me all my accounts were frozen.

I called them right away and spoke with a member of the security team who subjected me to a series of prying Securities questions and steps to verify me and that I had initiated the transaction. After I patiently and successfully complied to all Capital One uncalled for security steps, I asked the agent if everything was in order and he confirmed that it was all good.

The next day, I found out from XXXX that the {$10000.00} transfer was reversed by Capital One from under my nose.

Capital One never bothered to inform me this would happen at any point in my dealing with the security team, on the contrary they said that it was all good.

I followed up many times since I found out from XXXX about the illegal transfer reversal by Capital One and my funds are still to this day not back on my account. It is now the XX/XX/XXXX and Capital One is still not telling where my funds are.

No one from Capital One Customer Service or Capital One security team bothered to give me updates ( I have to call them every single day to get different answers ) and they tell me they have no control over this ; when they are the ones who purposely made the mistake and created this mess.

I believe I have been profiled/discriminated against as there was no objective/factual reason under the sun to flag my transaction as fraudulent. It is a regular domestic transfer from one account I solely own to another account I solely own, that I also went through the extra step/hoops of thoroughly verifying on the phone with the security team at Capital One.

I am asking full reparation : my funds + compensation for interests lost and for the time spent dealing with this ordeal and aggravation I have been through.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

In accordance with the Fair Credit reporting act XXXX Account # 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXXT XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing my credit report and noticed multiple fraudulent accounts inquiries and inaccuracies. these are the inquires below XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Below are fraudulent collection and charge off accounts XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in Maryland is the bank financing my car loan. The pandemic had just hit the USA and every place was closed. I paid my car note through my bank. One day my bank sent the car note to the wrong address and they penalized me for it. I called XXXX and talked to them but the lady I talked to was very rude. The thing that bothers me the most they did not give me options on how to pay the car note. My credit score moved from the 800 + to 700 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXXXXXX  points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was approved for a Loan from the SBA because I'm an independent contractor who need it help because of the covid19 pandemic. The SBA approved my application and sent the money to my checking account with Citibank on XX/XX/XXXX. Citibank automatically froze my account and eventually on of matter of day closed my account. I call them to verify what the situation was and after several calls and hours of trying to get the right information, they said that it was because My account was a personal account and the money should had been deposit into a business account with an EIN. I explained them that they were incorrect in this assumption because the SBA loan was aiming for smalls businesses and independent contractor, that smalls businesses does need an EIN but not the Independent contractor and that the SBA did they due diligence and clear me out before approving my funds. The bank sent me a letter saying that the will return my funds back to the SBA that any further information should be directly with them since in around 30 days the money will be return. I call the SBA to update my bank information with a new bank institution XXXX XXXX XXXX XXXXXXXX ) back inn XXXX and I contacted the SBA so they could re transfer my funds to the new account. After 6 months of back and forth with the SBA they told that the bank never return the funds. Citibank said that the funds are in a loop, they always tell me that someone will contact me to resolve this issue but I'd never received I call back and the SBA start charging me for a fund I have never used because of the Citibank unilateral closed my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$760.00}, XXXX XXXX XXXX. {$0.00} account # XXXX, XXXX XXXX bal. {$0.00} account # XXXX, XXXX XXXX. {$420.00}
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer may have given you written, unwrittten, verbal and nonverbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the EQUIFAX and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$6200.00} ; XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX  XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$580.00} ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX XXXX XXXXCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1400.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$850.00} ; XXXX XXXX XXXX XXXX Balance {$23.00} ; XXXX XXXX XXXX  Date opened XX/XX/XXXX ; XXXX ; Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as '' validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Checking or savings account

On XX/XX/2023, i was charged by XXXX 3 duplicate transactions, i asked my bank to refund me after the merchant refused to send me the refund. Capital One said it is an old one and can't revert back. 
i should be charged only one time instead of 4 times. ( XXXX )
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX XXXXXXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting

I had a car through XXXX XXXX, and it was a poor functioning vehicle that would not last me, I asked if I could trade it in, was told no, the end result was me turning the property back over to the dealer, and I 'm guessing have resold the car since. Yet, they are still coming after me for the full amount of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was XXXX XXXXXXXX XXXX XXXX in XXXX XXXX Iowa and the other was Elan financial services/XXXX in XXXX North Dakota . I did speak to sale in fraud department at XXXX XXXX and he saw the application but said it was denied. Elan financial services told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.
Product: Checking or savings account

I deposited a check into my account on thurs. XX/XX/XXXX at around XXXX XXXX.the check amount was $XXXX I got notification funds would be fully available as usual the following day XX/XX/XXXX a Fri. the XX/XX/XXXX passes nothing clears so I gave it until Monday to process Monday morning no change in status, so I called the bank wells Fargo and discussed with a rep I would like to have the check pushed throughthe verification process so I can acess the funds she informed me that the check "bounced" came back insufficient funds. I asked to speak to a superviser and she nicely transferred me to a woman who refused to identify by anything other then XXXX who works there....? she said it came back insufficient funds and that there was absolutely nothing that could be done until Fri the XX/XX/XXXX and funds not available until the XX/XX/XXXX the following Monday. I asked in several attempts for her to do a manual verification over the phone with the bank its being drawn from as I have done with MANY other banks many times and she said that's not possible there's nothing we can do. I asked if I can simply get the check back so that I can take it to the bank its drawn on and cash it to have access to the funds that was given to me. she said no then said well we could do a reversal and put in a claim but that could be 7 to 10 bussiness days before anything would happen. given that information I went to the person who gave me the check and asked them if there were any problems or issues (the guy is a multi millionaire)  he said no called his accountant and had him print me off statement that show the check he gave me for $XXXX cleared is bank fully on Friday the XX/XX/XXXX and left a remaining balance of $XXXX as of yesterday there was still a balance in that account of $XXXX. I called wells Fargo back to try Again to get them to give me the funds that not only were in the other account but that they have taken and are holding and refusing to give me access to that lady was VERY rude cut me off wouldn't let me speak and basically said I needed to be quite while she looked up my info. I also submitted a written complaint online asking for a call back from someone that can handle this manner swiftly and they have yet to contact or reach out as of this point yet .
Product: Credit reporting or other personal consumer reports

My credit report shows billing inaccuracies, including late payments that aren't consistent with my usual payment behavior. Please correct these and update my account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

My paypal acct since XX/XX/year> has had XXXX in which they refuse to release and keep making excuses or give no excuse down today an actual paypal employee tried to get my info and scam me from calling from the app to get my bank info then said he was transferring me to the XXXX.. I need my money released I have verified myself more than once.. Paypal has been apparently doing this to ppl nonstop its criminal
Product: Debt collection

The problem began with an apartment company XXXX XXXX XXXX XXXX - owned by XXXX ) that refused to provide proof of charges to me after move out. They submitted the account to collections without any warning and without responding to my communication requesting proof and explanation of charges. The collections company- Columbia Debt Recovery- has continued to perpetuate the issue. I have made partial payment on my account with the amounts that, despite the fact I believe they're invalid, are at the very least " correct '' But I have submitted additional documentation, now more than once, detailing why the additional amount owed is not correct and requesting more detailed account statement to prove the contrary if they believe it is accurate. I have not received any communication from Columbia Debt Recovery in response to the copious amounts of documentation I have submitted to them. I have tried contacting them by mail, email, & phone. On the phone, they are rude, abusive, and completely dismissive of my questions. The documentation I am attaching to this complaint is just some of what I have sent to them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 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 have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.