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

XXXX has deleted and removed the following fraudulent account : Capital One : XXXX, balance : {$2000.00}, 3 times from my XXXX credit report previously, but XXXX keeps re-inserted and putting the fraudulent Capital One account back on my credit report. The Capital One account is not my account. Its a fraudulent account.I have never applied for a Capital One Bank credit card account. Someone stole my identity and used my personal information and applied for 4 Capital One Bank credit cards, including the account above. I have been a victim of identity for over 25 years.
Product: Credit card or prepaid card

I have a Costco Visa Credit Card administered through Citibank. I am for the most part very happy with the cards benefits, the convenience and especially the customer service. One of the benefits that I took advantage of last year was a 0 % Balance transfer offer. I try to avoid interest fees at all costs so from XXXX through XXXX of this year, when I received my statement, I called to ask what is the amount that I need to pay in order to avoid interest. This amount is not specifically listed on the statements like it is on some competing credit card statements. When I receive my statements, I call up Customer Service to ask how much do I need to pay in order to avoid interest and am given amount by their telephone representative. I pay the amount and have been surprised to still been charged interest each time. The amounts are not huge but these days every penny counts for me. Today, thankfully I reached a supervisor and she reversed my fees incurred since I took my balance transfer but my concern is am I going to have to call again? Thankfully in two months I will pay the card off but if I ever want to take advantage of an offer again will I go through the same process of calling? I get offers from Citibank several times a month for balance transfers. What I would like for Citibank to do is to give an accurate figure on their statements detailing the amount due to avoid any interest. As I mentioned, many of my other competing accounts due this. Why not Citibank? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX  that XXXX will not remove. 

West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

EXPERIAN : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX NM XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX multiple times in XXXX and XX/XX/XXXXXXXX  regarding an unauthorized account on my credit report. The account, which was supposedly closed and opened in XXXX, was causing significant issues. Despite my repeated attempts to locate and resolve the issue, XXXX XXXX was unable to find the account or associate it with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. 

Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. However, on XX/XX/XXXX, I decided to escalate the issue by calling XXXX XXXX again. I provided them with the account number I had received from my transition and refused to end the call until I spoke with someone directly about the matter. 

XXXX XXXX acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its supposed closure. However, they stated that they couldnt find any association between the account and my existing credit profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call XXXX XXXX numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis mutiple times in order to get a bankruptcy account # XXXX removed from my LexisNexis report. The last dispute I sent to LexisNexis was on XX/XX/2020. LexisNexis did not reply back to my dispute until XX/XX/2020. Also when LexisNexis responded to my dispute they did not investigate the matter. Their response states that they were " unable to locate the disputed item in our database ''. LexisNexis should delete the bankruptcy account # XXXX because they did not investigate the account and they did not reply to my dispute within 30 days. 

I have attached copies of my dispute and their response.
Product: Credit card or prepaid card

On XX/XX/2018, I was using the credit karma app. I saw an ad for a capital one card. I read through all of the information. I noticed a portion which said that I would not be eligible if I had a past dur account with capital one within the past year. Since I did not, I applied. I received a message informing me that I was not approved. I would receive an email and letter within 10 days with an explanation. Today, XX/XX/XXXX, I received an email with instructions on how to view a pdf about the decision. The letter stated that I had too many past due capital one accounts. Again, I do not have any past due accounts with them. 
This is the fourth time in the past two years that I have attempted to get a capital one card. The last three times the reason for denial was a lawsuit on my credit report. This mysterious item was never found. In the past I have received calls from people claiming to be with capital one. They tell me that there is nothing that they can do, that I should check with the local courts, and a bit of fake empathy. I would love to speak with a person who can help me. I would love to find out why capital one is making excuses for not approving my applications.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX alerted me to new credit activity on the morning of XX/XX/XXXX. I noticed that a Credit Inquiry was requested by Capital One, and I have not applied for any new Credit or any Loans. I don't have an open account with Capital One as well ( I have a closed Car Loan from them that was closed in XXXX ). I called Capital One and inquired about the XXXX XXXX on XX/XX/XXXX ( twice ), and they were not able to provide any information. I spoke with XXXX, and they placed a fraud alert on my XXXX account. Also spoke with XXXX XXXX, and they are doing the same. Both agencies advised me to call Capital One, which I had already done to no avail.
Product: Bank account or service

In the past 30 days, there have been numerous instances that have resulted in our institution fraudulently and without cause having money taken from our account, by Bank of America. The first instance was on XXXX/XXXX/2016. A deposit was taken to the XXXX XXXX BOA, counted, and we were given a deposit slip. Later on, we noticed {$3100.00} has been deducted without our knowledge. We were later sent a piece of paper a deposit totaling {$6200.00} was missing {$3100.00}. There is no way their correspondence was even close to accurate. We went down to XXXX XXXX, where the young teller who counted the money admitted that the whole amount was in the deposit bags when he counted it. He was given stern looks, and then employees began searching through the trash ( hopefully they were n't looking for the deposit! But the timing was obviously suspect ). After speaking to XXXX XXXX, a representative at the branch, they eventually decided to credit us back the money ; however, they put it into the wrong bank account, and we had to have it transferred over. This was the first instance of Bank of America taking money from our account, saying we never deposited it even with a valid deposit slip. 

Next, on XXXX/XXXX/2016, Bank of America decided to deposit the same deposit into our account twice in the amount of {$1300.00}. Upon being alerted to their error, they they proceeded to deduct {$1300.00} out of our account, which is obviously {$20.00} more than their original error. Again, we had to call XXXX XXXX. Although we received no follow up call, the issue was eventually resolved, and the bank account does not even reflect their initial error, which is odd. 

Finally, on XXXX/XXXX/2016, we received another notice from Bank of America. This notice says that a deposit of {$5900.00} had been missing {$1000.00}, and they deducted that amount from our account. Again, the money was counted at the XXXX XXXX XXXX, and we were given a deposit slip. Even with this evidence, they took the money from our account. After trying to call XXXX XXXX again to see where our money went this time, we were stone walled, and not given any further information and would not let us speak to XXXX XXXX about their discrepancy. At this moment, they still have the {$1000.00} they took from us, with no sign of them even investigating where our money went. 

This is the XXXX time in 30 days that this branch has lost our money. We have had to fight them to get the money back XXXX, and are now out {$1000.00}, with no reasonable reason. We have valid deposit slips, and we have the notices from company. And we are getting no response from the XXXX XXXX XXXX any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs a proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information immediately : Please correct the account 's information immediately :
Product: Vehicle loan or lease

I traded my n my XXXX XXXX to XXXX XXXX  in XXXX tn for a new wago and they had some kind of internal issue which I spoke with XXXX and numerous managers about and somehow it fell through the cracks and they failed to pay my XXXX off which we had a load through ally still and it was reported on my and my husbands credit as late/delinquent because it took them over a month to pay it off all while they had it listed on their site to sell. We had been with ally for many years on several different loans and NEVER been late on a single payment in my life. Ive priced myself on my credit and this has completely and unfairly effected my ability to purchase a home. We work very hard and have XXXX children we support and this is WRONg that we are being penalized for their error of not paying off the vehicle to slip through the cracks when we were paying in a new vehicle. After numerous phone calls they finally paid it off and then I got another statement that there was a balnce of {$18.00} that still wasnt paid off which we just took care of because we didnt want any further damage to our credit
Product: Debt collection

PENTAGON FCU {$43000.00} THIS IS NOT MY ACCOUNT OR DEBT IT IS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Who are you Lexis Nexis I don't have a a contract with your company why are you violating my rights and personal rights and slandering my name!
Product: Bank account or service

I arranged for a transfer of money from my Ally checking account into my father-in-law 's checking account on XX/XX/2016 and have a printed confirmation of the transaction. The transaction was arranged for through the " pay people '' application on the Ally on line web site. The transfer did not take place and despite numerous inquiries to Ally Bank I have been unable to ascertain A : the status of the transfer, B : the reason for the failure for the transfer, C : how to re-enable the transfer, or D : any information on how to contact anyone to resolve the problem.
Product: Checking or savings account

Summary : Ally Bank, due to negligence or fraud, sent money from my checking account in a cashier 's check to an unidentified address in XXXX, GA  and refuses to return my money : {$44000.00}. 

Details : On XX/XX/2021, I requested an Ally bank check be sent to me payable to " XXXX XXXX '' for {$44000.00} with funds withdrawn from my Ally Bank checking account to purchase a car. This check was requested to my home address on file with Ally Bank : 2 XXXX XXXX XXXX XXXX, OH XXXX. I paid an additional fee to expedite this check to arrive in time for me to purchase a vehicle at XXXX XXXX in XXXX XXXX NJ, on XXXX  XX/XX/2021 for vehicle VIN : XXXX. I am taking XXXX Flight XXXX Fri XX/XX/2021 from XXXX to XXXX  for this purchase. For an unknown reason, fraud or negligence, Ally Bank sent the check via XXXX to an address in XXXX, GA-XXXX  tracking XXXX. I have never lived in Georgia, the payee is not in Georgia, I never provided a Georgia address to Ally Bank. I do not know the exact address the check was sent to as Ally Bank will not release this information. Ally Bank will not return this money to me nor release information about who in XXXX, GA may have possession of this check. Ally Bank Case XXXX.
Product: Credit card or prepaid card

I had a promotional rate of 0 % that expired on XX/XX/XXXX, after which it would go up to 21.49 %, and another promotional rate of 1.99 % that expires onXX/XX/XXXX. 

I called up Bank of America to ask how I could avoid paying the 21.49 % interest rate and I was told on a recorded line by a bank of America associate that I had to make the whole payment on XX/XX/XXXX for the amount that was due for that promotion. 

I followed the instructions exactly and made the payment on XX/XX/XXXX, and it went towards the promotion ending on XX/XX/XXXX instead. Please correct this and apply that payment to the promotion that ended on XX/XX/XXXX like you said you would, and reimburse me the interest that you wrongly charged me.
Product: Credit reporting or other personal consumer reports

I have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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. I have the right to privacy. 15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Myself ( XXXX XXXX ) and my partner ( XXXX XXXX, a family member of the owner ) purchased this property during the redemption period. We paid the payoff price that was provided by Mr. Cooper to keep the property from going into foreclosure. Once paid off we called in to confirm that all funds has been received and this was when the issues started. XXXX was told that there were additional funds needed to pay off the property. The initial payoff funds were wired to Mr. Cooper on XX/XX/XXXX. We were informed on Monday XXXX that they needed the additional funds because of the new month. I do not understand why the funds were not added by XXXX on XX/XX/XXXX, their system showed the funds had been received on XX/XX/XXXX. I do not think this was fair. Next, we call to confirm that the loan had been paid off on XXXX and was told that it had been transferred to XXXX finance. Again, do to understand why a loan that was paid off had been transferred. No one could answer that question. Now XXXX XXXX is telling us that additional funds may be needed. At this point, they ( XXXX ) will not talk to us until they approve the XXXX XXXX authorization that they received on XX/XX/XXXX. We were told it would take XXXX days to process and it has been longer than that. The initial owner XXXX and XXXX XXXX are an elderly couple and they have been stressed out not knowing what is going on with the property that they thought they had sold. 

I do not understand how both banks can have internal policies that they do not follow and give us the runaround. If you listen to the multiple calls that we have made you will hear that different reps are giving us different information. XXXX even acknowledges there is a problem with closing out paid-off loans. This needs to be escalated to the proper individuals and escalated. We are looking to see if there are other actions we can take.
Product: Money transfer, virtual currency, or money service

I have initiated an international wire from Bank Of America XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. The wire was never delivered. Contacted BofA several times where they could not tell ne where is the money. I have requested a tracking for the money where they never got back to me. And when I called I was told that the wire was complete. 
Now it has been since XX/XX/XXXX and the money was never received in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX