23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2018 I called Capital one after logging into my online account and seeing the online portal showed credit card closed. I am looking to file a suit against Capital One for a negligence and breach-of-contract. I then called Capital One and was notified Capital Once closed my account because of adding authorized signers to my credit cards. I have had 2 credit card accounts with Capital One, 1 card for over 7 years and the other for over 10 years, never skipping out on payments, never disputing transactions, always paying, balance, fees, interest, payments as agreed and have worked diligently to maintain account. In the past month or so I even paid both cards off completely before paying my other credit cards off, to show Capital I value the relationship and want to satisfy the debt. Well after calling in to remove my relative off my card as an authorized signer, within a week later they closed my account. Supposedly for suspicous activity however there were no charges on my account, never once have they had an issue with my account or issues with my authorized users. So based off assumption they made a decision to close outoall cards in which I have had for more then 10 years, adversely affecting my credit report when I have adhered to all terms in contract and adhered to my financial obligation. Without notice or Captial One attempting to notify me, via email, phone or mail if there were any questions on account they made a decision to close the account for no reason at all. This is unfair, unethical and this decision they made adversely affected my credit report - showing a closed account after 11 years has intereferred with me purchasing home, If the bank at any point would have notified me not to add relatives as Authorized signer which is an online option we are able to do anytime, I would have never added. Never did they attempt to seek a resolve between me the client. They are unethical, unfair and negligence and breach-of-contract. This decision has hendered the final stages of me solitifying the home process for no reason of validity and certainty.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) is not my debt and needs to be removed immediately. I did not incur this debt and its on my experience report
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation student loan payment never late
DEPT OF EDXXXX

FCRA Violation auto loan payment never late
XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.SXXXX Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Vehicle loan or lease

I made my monthly payment on this car loan. The payment was accepted and cleared. Then later i checked my bank account and the money was returned. I immediately paid the payment again. I tried calling customer service and i couldn't get any agents on the phone. I am not sure why they reported me late on my credit report to the credit bureaus. I also had deferred 3 monthly payments to the end of my loan in XXXX. So its not possible that i could have been late when they were differed to the end of my loan. This is outrageous i am so mad about this late payment hurting my credit reports.
Product: Money transfer, virtual currency, or money service

NO ONE EXCEPT MYSELF CONTACTED PAYPAL OVER THIS DESPUTE AND PAYPAL NEVER OBEYED THERE OWN POLICY TO INSURE MY MONEY THUS WILLINGLY DEFRAUDED ME. I HAVE ALL RECORDS : Case 1 of 6 - Scammer : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXX Money Sent - {$40.00} Case 2 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$30.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Monday, XX/XX/XXXX Transaction amount : {$30.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 3 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$50.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$50.00} USD Your conversation with X X XX/XX/XXXX at XXXX AM EST This person is a scammer, i want ALL my money back. 
This case is closed Case 4 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$200.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Friday, XX/XX/XXXX Transaction amount : {$200.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 5 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$25.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$25.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer. I want ALL my money back from them. 
This case is closed Case 6 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Refund requested : {$750.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Thursday, XX/XX/XXXX Transaction amount : {$750.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST Every time money was sent to this person, they scammed me. I want it ALL back. 
This case is closed
Product: Mortgage

In spring XX/XX/XXXX I took a conventional 30 year mortgage with Bank of America NA. At that time I attempted but was unable to set up online access via the internet in order to make my monthly payments. 

In XX/XX/XXXX I recontacted BofA and again attempted to set up online access to the mortgage to make my monthly payments. Numerous phone calls to BofA locations in XXXX, NY, XXXX, TX, XXXX, NC, Montana, XXXX, AZ in XX/XX/XXXX through XX/XX/XXXX and most recently XX/XX/XXXX with customer service ( in XXXX ) I am advised that their Technical Team ( XXXX XXXX ) is still unable to make this happen. Their case number for my request is XXXX. 

I continue to make my monthly payments via US Mail but would prefer to use my BofA online account for ACH/electronic payment. Thank you
Product: Mortgage

My mortgage loan was paid off, and Chase refunded me the overpaid funds. Chase is now issuing me a XXXX for those refunded monies. That refunded money is not subject to a XXXX  IRS report, since Chase did not pay me any of their money. Instead, they refunded my own money back to me, money I have already paid taxes on. This was all addressed on CFPB complaint # XXXX, and Chase had responded that they would issue me a XXXX-out amended IRS form XXXX. Instead, yesterday I received an amended XXXX  that still says I received {$550.00} from Chase. Again, that money was a refund of my own money from an over payment. XXXX XXXX is the last Executive Committee person I dealt with.
Product: Debt collection

Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, XXXX XXXX XXXX, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted XXXX XXXX XXXX directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that XXXX XXXX XXXX will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXXXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to XXXX XXXX XXXX XXXX - Email to XXXX XXXX XXXX
Product: Checking or savings account

I used the website XXXX to purchase both a plane ticket and a hotel room to go to the XXXX XXXX. I made the original purchase for the plane ticket on XX/XX/2023. I paid {$130.00} up front and agreed to monthly payments of {$170.00} to be paid until the total amount of {$1100.00} was paid in full. I was making the payments on time since the purchase out of my Bank of America checking account. On XX/XX/2023 I received several notifications from my Bank of America app that that six large transactions were made. There was four separate transactions for the amount of {$460.00}, a transaction of {$1000.00}, and a transaction for {$820.00}. I did not make or approve any of these transactions. Upon checking my XXXX account these transactions were not present and only listed my current monthly payments I previously agreed to. I spoke to a member of the Bank of America fraud claim team and gave him all of this information. Although a portion of the money was able to be refunded due to the team member canceling them in a timely manor, {$2300.00} remained unaccounted for. The team member opened a new claim for me on XX/XX/2023. On XX/XX/2023 I received a notification from Bank of America informing me that my claim has been considered resolved and they were unable to refund the remaining {$2300.00} as they believe I approved the transaction. I did not approve any transactions outside the month of XXXX. XXXX is also now demanding I continue to make my monthly payments of {$170.00} even though they currently have the {$2300.00} I did not approve them to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a account as a Repo and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX **these accounts is past the stature of reporting date and needs to be removed. all XXXX XXXX  by law is past reporting date and thus far is removal** XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX  XXXX Balance # XXXX Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX shipped part of my order and the Discover credit card denied my dispute on the invalid evidence provided by XXXX. On XX/XX/XXXX, I purchased XXXX XXXX laptops with order # XXXX on XXXX and XXXX {$490.00}. XXXX shipped it through XXXX tracking # XXXX. On XX/XX/XXXX, I received this package and found only XXXX laptop. I contacted XXXX immediately, but XXXX refused to issue a refund of {$240.00} and told me to dispute it with my financial institution. So on XX/XX/XXXX, I started a dispute about this order charge transaction with my Discover credit card. I provided XXXX pieces of evidence, the first was the XXXX website description of the XXXX laptop I bought, which showed the net weight of XXXX XXXX laptop was XXXX, I bought XXXX of these laptops, so the weight of my package should be over XXXX, and the second piece of evidence was XXXX  proof of delivery, it showed the package I received was only XXXX. However, Discover denied my dispute because XXXX replied that they had issued a refund on XX/XX/XXXX. I continued my dispute and provided the refund email from XXXX as evidence because the refund I received on XX/XX/XXXX was for my XXXX order placed on XX/XX/XXXX, not the order placed on XX/XX/XXXX. However, Discover insisted this transaction was valid and told me this was the final review, and I was unable to appeal anymore.
Product: Mortgage

FACTS My mortgage servicer is Citizens. Due to XXXX, I have had higher household/family expenses and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX Ohio for assistance. With the help of Legal Aid, I applied for mortgage assistance through Ohio XXXX XXXX XXXX 's Homeowners Assistance Fund ( HAF ) program, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the Ohio XXXX XXXX XXXX conditionally approved her application. However, XXXX XXXX XXXX is still waiting for Citizens to complete their part of the process. In accordance with XXXX Treasury guidance, after an application is approved, XXXX XXXX XXXX uses a Secure Data Exchange to send an information record to the servicer. There should be at least one person at Citizens who has access to this secure portal and is responsible for sending back a verification record to XXXX XXXX XXXXXXXX. Once XXXXXXXX XXXX  XXXX has that record, they can process the payment and sent it to Citizens. As of today, Citizens has not sent that verification record back, leaving me in limbo. 

WHAT WE HAVE DONE I have contacted XXXX XXXX XXXX multiple times to get an update on their communication with the servicer. Most recently, XXXXXXXX XXXX XXXX emailed Citizens another record request on XX/XX/XXXX. 

I contacted Citizens on XX/XX/XXXX and was told that they had not received a record request from XXXXXXXX XXXX XXXXXXXX. The person I spoke with did not seem to understand that the records must be sent through XXXXXXXX XXXX XXXXXXXX 's secure data exchange, not through fax. 

This issue can be resolved if Citizens participates in XXXX XXXX XXXX appropriately by utilizing the Secure Data Exchange as suggested by XXXX Treasurer guidance. If they do not know how, they should call XXXX XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, Transunion, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has Mid-South Adjustment ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Product: Credit reporting or other personal consumer reports

I noticed incorrect information being reported on my credit reports back in XXXX  2024. I have been contacting the credit bureaus and the creditors since then in order to have the information corrected or deleted from my reports. I have done everything they asked in providing supporting documents and clearly explaining the reasons for my dispute. I previously filed a complaint against all parties in XXXX for non-compliance. I followed up in XXXX and they failed to follow the FCRA by responding in 30 days. The incorrect info is still on my reports and they have not done anything to correct the issue. I am considering meeting with a consumer rights attorney if this continues. This reporting is causing me a great deal of stress and making it hard for me to get approved for credit. I am really frustrated with the way the credit bureaus have handled this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.