23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing this complaint against Capital One because I was denied a checking account application based on an incomplete report from XXXX XXXX XXXX ( XXXX  ). Capital One exclusively relies on XXXX report to approve or deny applications, which in my case omits key accounts I actively hold with XXXX XXXX XXXX XXXX XXXX XXXX XXXX This incomplete report significantly impacts my XXXX  deposit score, currently XXXX, which, in turn, affects my application outcome. 

I attempted to address the issue by providing additional documentation to Capital One to clarify my financial relationships. However, Capital One declined to review this documentation, instead directing me back to XXXX. My subsequent XXXX  file confirmed the absence of critical account information, leaving me without recourse to correct my profile directly with Capital One. 

Furthermore, I have filed a separate complaint againsXXXX XXXX XXXX XXXX for the incompleteness of my report, as XXXX  does not offer a straightforward method to dispute missing account informationonly inaccuracies in data already present. Once XXXX  corrects this missing information, I expect Capital One to perform due diligence in reassessing my application based on an accurate report. Given Capital Ones co-ownership of XXXX, it should be aware of and anticipate these corrections, preventing any further excuses based on incomplete data. 

Note on Ownership Structure XXXX XXXX XXXX XXXX  is co-owned by major financial institutions, including Capital One itself, along with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. This ownership connection raises concerns about potential conflicts of interest, particularly when institutions rely solely on XXXX  data to determine eligibility. With Capital Ones ownership in XXXX, it is especially critical that Capital One ensures full reporting accuracy rather than relying on incomplete data that unfairly impacts consumers.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Because of this, I am urgently asking that the documents Ive provided be reviewed thoroughly, so I can avoid ever facing this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to XXXX, EQUIFAX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
Product: Checking or savings account

On XX/XX/2020 I recieved a call from the 1-800 number on the back of my debt card. The caller stated they were calling from the fruad prevention department of the bank, and he need to verify some information in order to protect my debt card because my pin was compromised and some one was on another line with him pretending to be me and trying to reactivate an old debt card. He called verified some information and then had me do some steps to set up a text protection for my debt card to ba able to verify every transaction I do in the future. On XX/XX/2020 I logged on to my online account to find fraudulent charges on my account, the total of {$710.00}. I reported to the bank that same day by calling the same 1-800 number on the back of my debt card. A claim was made and credit was put back in my account of {$710.00}. I reported it to XXXX  and put a one year fraud alert on my credit. XX/XX/2020 the bank denied the fraud claim and reverses the credit on my account taking {$370.00} dollars from my account and then putting my account into the negative, - {$330.00}. The bank stated that they denied the claim because they believed I was the one who opened a digital wallet and approved those charges. I appealed the decision. The claim was resubmitted and I was told that I would get a response in 3-5 business days, and no credit will be put to my account. So besides this thief that's stol {$710.00} the bank took {$370.00} from me, and I am left with no money to support my family while in the middle of covid-19 for what I see the next 5-8 days. On XX/XX/2020 I scheduled a payment withdrawal from my account of {$260.00} to the IRS to be paid on XX/XX/2020. Because the bank took my money the payment did not go through and i was charged {$34.00} for insufficient funds, now I also have problem with the IRS. I have explained to the bank several times what happened in detail and that I did not make those charges nor did I approve them nor did I try to open a digital wallet, my phone is not compatible with those kinds of apps.
Product: Debt collection

XXXX XXXX " pre-legal division '' called my brother and left a message stating they are investigating me and asked him to have me call them back. they left an account number with the last four of my social at the end of the account number. I called them back and a lady told me I stole money from a payday loan company. When I asked her to stop contacting my relatives and friends she told me they were going to continue. When I asked her to cease and desist, and asked for a written letter explaining who they are with a correspondence address, she told me that I better carry two forms of ID because I was going to be served with court papers concerning this debt. The lady hung up on me. When I called her back, I asked if XXXX XXXX owned this alleged debt or if her company did. She said the original creditor still owned the alleged debt and that she represented a collection agency. I told her that she was providing false information by stating they would be filing a lawsuit against me, since her company does not have standing. The lady then called me a thief several times and a liar. I stated several times that they cease and desist and this lady hung up on me again.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. Upon reviewing mycredit report I noticed some accounts I am not familiar with and I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I'm not familiar with.

Please find attached acopy ofmyID, FTC complaint, acopy of the NPD report showing my information being exposedin a national database.
Product: Checking or savings account

I have since received letters from Bank of America that they can not return the funds. The account was opened fraudulently in a Bank of America bank account. the Lawyer 's office XXXX XXXX XXXX never had an account with Bank of America. I think Bank of America allowed a fraudulant account to be set up in their banking system. They should make me whole. 

See below for more details I was working with a lawyer XXXX XXXX from XXXX XXXX XXXX. to get my bankruptcy filed and I received, what is now to be known as a fraudulent email from someone impersonating XXXX XXXX telling me that the company was having trouble processing payments through their normal portal and I was dumb enough to request an bank transfer on XX/XX/2022 to the so-called bank account of the lawyer. The email appeared to be from the paralegal ( XXXX ) that I was working with but it was not her. I lost {$1800.00} through it because the bank will not refund the money because I initiated the transfer. I reported it to the police here, but doubt they will do anything. The lawyer informed me a month later that they never received my money. and that is when I started to contact the bank and reported it to the police
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for the bureaus to check into the validity of an account reporting on my credit report. Today is XX/XX/XXXX Ive sent out this dispute XX/XX/XXXX received word from bureaus that they would check into other disputes but they skipped over this particular dispute. Its been almost a month and a half and I still havent heard a word from either the bureaus updating me on status of whether the creditor verified the debt or changed the status of this reporting account. This is ridiculous seems to often creditors and bureaus look over disputes but are so quick to penalize you for something done wrong. There in violation here and I would like for people to learn from this. Dont let these companies push over you and throw your concerns to the waste side.
Product: Vehicle loan or lease

I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXXV # XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on Equifax and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a XXXX XXXX open account and a XXXX XXXX  account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Debt collection

Sterling Jewelers calls me 8-10 times per day from random numbers in different area codes. They leave at least 2-3 voice mails per day and will not stop with the frequent and unnecessary phone calls. I work and can not answer my phone during the day. My phone is constantly ringing and I 'm forced to send the calls to voicemail.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
PXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is being reported inaccurately on my Experian credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After undergoing a routine check-up at my physician 's office, I was surprised to receive a debt collection notice from Revco Solutions , claiming I owed them money. Despite confirming all my balances were clear and contacting the hospitals I visited, none of them had any record of dealings with Revco. Upon calling Revco to request removal from their system and to cease all communications, I encountered uncooperative representatives who refused to provide their last names. Their contact information includes phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ), with reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXXDOFED -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Mortgage

Mortgage is serviced by Seneca Mortgage Servicing LLC. Received letter dated XXXX/XXXX/16 requesting additional {$1000.00} in payment on top of the {$660.00} standard monthly payment that had been received ( noted in letter ). No explanation for additional {$1000.00} charge. Online account still noted {$660.00} as the required payment amount. 

Sent email to customer solutions day received letter, XXXX/XXXX/16, after being unable to contact a representative through customer service number in letter and available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transition credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.
Product: Credit card or prepaid card

On XX/XX/2018, I received a Hard inquiry from Syncb/gap for a credit card which i was denied for. However i was unaware of my credit at the time. They tried to up-sell me to save money by quickly obtaining some information from me which at the time didn't know they are checking my credit. In turn gave me a hard inquiry, that would like removed from credit report immediately.
Product: Credit card or prepaid card

I was in the process of filing a small claims case against merchant. The FTC website explained a charge-back dispute option which opens an investigation of merchant resulting in obtaining a rebuttal of dispute. A temporary credit was posted on my account and I began using it to continue my project which merchant delayed when they breached our contract. I faxed all requested documentation and I was assured investigation was under way. 
Within days of credit being applied to my account, it disappeared off my account and was reposted as a purchase on account. My credit scored tanked, my minumium payment went from {$89.00} to {$600.00}. My credit limit is {$5500.00}, my current balance is over {$8000.00} and swelled to over {$12000.00}. How is this possible? My credit usage went from 52 % to now 191 %. And this is literally in one statement period. Its debt creation, illegal and I'm now in financial ruin. I'm unable topay my minumium payment, late fees are accumulating, interest and now, no investigation I was expecting a rebuttal from was conducted and the bank claim of contacting the merchant was false. The time limit to dispute this charge has past. Why was the dispute even filed then? I'm XXXX, on strict budget and need help! Please and thank you..
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/2024 regarding inquiries on credit report. Since then, I no longer have a scorable Equifax account and have not addressed the issue of unauthorized inquiries. I'm attaching bill with name and address, SSN card, original letter, certified copy of their receipt, and my previous Equifax score from XX/XX/2024.