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

I am writing to file a formal complaint against Capital One for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which provides protections to survivors of human trafficking. I am a survivor and victim of trafficking, and Capital One has failed to appropriately block the adverse account in my credit report that is a result of the trafficking circumstances. FCRA Section 605C specifically mandates that credit reporting agencies and data furnishers must block adverse accounts that were a result of trafficking within 4 business days of being notified. Capital One continues to report the account, even though I have submitted the necessary documentation to complete my request, including the victim determination document, adverse account information, and proof of identity. According to tracking, Capital One received the most recent mailing on XX/XX/year>, which was sent via certified mail. It is XX/XX/year>, which is well beyond the four-business-day period during which Capital One is required to remove the account from my credit report. To comply with FCRA requirements, the bank have established procedures for their credit bureau department to submit expedited requests. 

Capital One is negligently neglecting to take immediate action and block the account that was a result of human trafficking, despite my exhaustive efforts to date. My financial well-being is being adversely affected, and the trauma I have already experienced has been heightened by the failure of Capital One to act. I have been working tirelessly to reclaim my life, including my financial well-being, since I was able to escape my dreadful circumstances, but Capital One is preventing my full recovery. 
I am currently in the process of trying to relocate to a new apartment, but I am unable to do so as a result of Capital One 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the furnishing of the adverse account ( s ) of victims of trafficking to any " consumer reporting agency '' as defined in section 603 ( f ). I have already received multiple apartment application declines due to the reporting of the adverse accounts. My life is at risk since I am confined to the same area and living circumstances. My life has already been threatened, and Capital One 's failure to comply with FCRA regulations could result in my death. I am trying to maintain calm and composure to address situations like the one I am currently in, but as a woman, I am terrified. Capital One is causing great damage to my mental health amongst other things.

Additionally, I have informed the bank of my intention to establish a repayment plan that is within my financial capacity. I will engage in this conversation directly with the bank ; however, in the interim, I am requesting assistance from all Federal agencies to hold Capital One accountable for their negligence. 

I will attach proof of identity, the adverse account information and victim determination letter to this complaint for record-keeping.
Product: Checking or savings account

I was a Suntrust customer for years. They have now merged with BB & T to become Truist. Direct deposit are not being posted to the account when they are supposed to be. They will not answer the phone - hold time is hours and hours long. When you do get through they say they do not know what is going on or why this is happening. I have proof that the direct deposit was sent to them and I verified my routing and checking account number is correct. Over {$3000.00} is just missing!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the outcome of my second attempt to have fraudulent items removed from my credit report. Despite providing comprehensive evidence and documentation proving the fraudulent nature of these items, I am disappointed to find that they have not been removed, thus continuing to negatively impact my creditworthiness. 

Undeterred, I made a second attempt to address the fraudulent items, providing additional evidence and documentation to strengthen my case. Despite these efforts, I have received yet another disappointing response indicating that the items will not be removed. 

The continued presence of these fraudulent items on my credit report has had severe consequences for my financial well-being. It not only tarnishes my credit history but also hinders my ability to access credit and financial opportunities. Furthermore, it undermines my confidence in the accuracy and reliability of your agency 's reporting processes. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be thoroughly re-evaluated and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous attempts. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXXXXXX  Balance Owed : {$2600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX Balance Owed XXXX {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.
Product: Credit reporting or other personal consumer reports

I REVIEW A RECENT COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE FRAUDULENTLY OPENED AND REPORTING TO MYCREDIT REPORT AND IS NEEDING TO BE REMOVED IMMEDIATELY. AS I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND THIS ISINCONVENIENTLY AFFECTING ME. I'VE ADDRESSED THESE ACCOUNTS BEFORE WITH BACK UP BUT CREDITORS ARE STILL ILLEGALLY REPORTING THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized inquiries. These discrepancies have significantly impacted my financial well-being and credit health.
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

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. 

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: Checking or savings account

I am transiting my checking bill pay from XXXX XXXX  to CitiBank. I have used XXXX to pay bills for some time and it was by electronic pay within XXXX business days. I set up bill pay to XXXX XXXX XXXX XXXX on CitiBank and expected the electronic payment there too. However when I sent the entire balance due of {$1700.00} on XX/XX/2024 to XXXX XXXX it had not been received by XX/XX/XXXX and so I missed the due date of XX/XX/XXXX. I looked more closely at my CitiBank checking account and the entire {$1700.00} had been withdrawn on XX/XX/XXXX but the payment was by paper check. I really can not understand why they use paper checks in this matter. I have been hit by a late payment fee of {$29.00} and interest at 35 % APR of {$57.00}. In addition my credit score will take a hit too, I was told by XXXX XXXX that paper checks can take up to 14 days to be credited to the account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ), due to inadequate customer services and unfair practices which violate the Consumer Financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

This is an addition/amendment to my original compliant # XXXX, submitted XXXX/XXXX/17, which highlighted BBVA Compass refusal to provide me a refund of my escrow money due to me from a XXXX XXXX, 2017 house loan closing.
The original check was been returned to them, with receipt of delivery showing XXXX/XXXX/2017. BBVA claims to have sent the check to my correct address, although the US Post Office disputes this claim.
Regardless, in pursuit to just have my money returned to me, I sent an affidavit into BBVA on XXXX/XXXX/2017 at XXXX XXXX, as the customer service representative claimed would expedite my refund due to an escalation case number XXXX. She stated that my issue would be expedited and a new check would be sent to me within 10 days.
On XXXX/XXXX/2017, ten days after the email was sent to BBVA compass and in excess of their own stated actioning timeline, I called BBVA customer service to get the status of my money owed to me. The customer service rep said no action has been taken and the " back office '' is holding up any action. My only logical conclusion is that BBVA is attempting to now penalize me for filing a compliant by refusing to return my money.
Product: Mortgage

Mr Cooper attempted to mail a check for my flood insurance late ( XX/XX/XXXX ) resulting in my flood insurance policy being cancelled and the check not being cashed. They attempted to send another check on XX/XX/XXXX and YET ANOTHER ON XX/XX/XXXX. 

They have charged my escrow account with ALL OF THESE and not credited the checks that were not cashed to my account. I have called and been told to wait two weeks for them to be credit back. When they werent credited back after two weeks, my fianc called for me and they said, oh if it is not resolved by Wednesday XX/XX/XXXX, call back. Here it is Thursday XX/XX/XXXX and not only is my escrow account not resolved, they refuse to speak to my fianc about the account, even though they had an hour long conversation with him last week. They refuse to credit my account for payments that were not accepted and now my mortgage payment has raised due to negative escrow. 

My flood insurance should have been paid ONE TIME. ON TIME. Rather than costing {$450.00}, they are claiming I have over {$1300.00} in flood insurance payments. 

I can not get a resoluation by calling the company. At this point, the charges in my escrow account are fraud because I did NOT authorize them and they were not accepted by the insurance company. So where is the money??
Product: Credit reporting or other personal consumer reports

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
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 XXXXXXXX
Product: Debt collection

I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX ( XXXX ) XXXX Contacted Applied Business Services XX/XX/21 to inquire about collection of {$130.00} from XXXX XXXX XXXX XXXX  showing on credit report. XXXX suggested I contact XXXX XXXX XXXX re : medical bill. XXXX reported bill was for a XXXX test and insurance had paid with an insurance adjustment that should have been reflected on the bill but hadn't been posted. Was reassured by XXXX XXXX, supervisor with XXXX, they would contact Applied and have report removed from XXXX Credit report. 
Filed a dispute with XXXX during that same week and rec. results on XX/XX/21 stating : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : No update necessary. 
XXXX XXXX via email to request resolution. 
XXXX Applied, spoke with representative who could not assist, and left message with supervisor to advise due to no resolution, my next step was filing a complaint. 
This adverse report is preventing me from buying a home at a reasonable rate.
Product: Credit card or prepaid card

I had stolen my identity and someone had used my information and made a large purchases from XXXX XXXX XXXX XXXX XXXX about {$17000.00} During XXXX to XX/XX/2022. 
And I had never authorized anyone to use these transactions. 
Bank of America Credit Card number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After examining my credit report, I observed inaccuracies in the listed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages
Product: Credit reporting, credit repair services, or other personal consumer reports

As a costumer from Home Depot and doing monthly payments I was charged on XXXX XXXX  a amount of {$20000.00} from one promotion that Home Depot has sent to me on XXXX if I purchase from then. 
I never did any purchase because I am paying of my balance with Home Depot. and that valor was add to my account incising my balance with the Store Home Depot. 
I called the 1800 Home Depot and spoke with the agent XXXX about those interest charges and Mr. XXXX told me that if I'm not satisfy to call CFPB and look for my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded
Product: Credit reporting or other personal consumer reports

I file this complaint to request that Equifax report that I do not dispute the account information for my XXXX XXXX XXXX XXXX of my Equifax credit reports. I have attached my Equifax credit report. Please see XXXX XXXX, XXXX, XXXX, and XXXX of the PDF. The comment section on these respective accounts state that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why these accounts are being investigated or disputed. I do not dispute the account information listed on my accounts. Please remove these comments on my accounts. My ID is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Presidential Covid Relief Act, homeowners that needed to go on mortgage forbearance could do so with no negative impact to their credit. I was told that I was in good standing to go on the program and could still make whatever payments I could while on the program to help buffer the end cost. After trying to refinance I see that they reported me 30 days late for 15 consecutive months. I have filed disputes with the credit bureau three times and file a official complaint with LoanCare. Due to this huge negligent error I am unable to refinance as it trashed my credit, and now I am looking at my children and I losing our home because I ahve to refinacne and get my ex husband off my loan. Lastly he is also suing me for his credit being damaged due to this error. After numerous attempts to get this corrected nothing has been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request