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

My wife has been diagnosed XXXX  XXXX, and I have taken steps to limit her access to funds, as XXXX XXXX is a symptom of the illness. 

We had two Capital One accounts together, ending in XXXX and XXXX respectively. I called Capital One and asked them to close the accounts because I knew my wife did not have the financial means to pay them, yet she would continue to use them. They told me the only way the accounts could be closed is if the balances were paid in full. I paid them both off in full. I was told at that time the accounts would not be reopened. 

However, my wife called them and reopened the accounts, and proceeded to use them to their limit without my knowledge, initially. Once I found out, I started making payments on them to the extent I could, and did not miss a payment until XX/XX/2019, because I was out of town. I got two 30 day lates on my account during XXXX. 

I called Cap One and inquired, and they told me that the accounts should not have been reopened, per their policy. ( the policy is on this website ) : https : //www.capitalone.com/support-center/credit-cards/close-account They admitted their error and closed the accounts AGAIN. 

However, I did everything I was supposed to do, yet their employees did not act in accordance with their stated policies, and reopened the accounts. My wife, in her heightened state, is very persuasive, but if Cap One had acted in accordance with their stated policy I wouldn't have had a balance after I paid the accounts off, and I wouldn't have late payments on my credit record. 

I am asking that the late payments be removed, and that the balances owed be erased, because the accounts were reopened without the company doing their due diligence in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several letters denoting the following inquiries are fraudulent. I did not apply for credit with the below companies : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Have Been Incerated in a XXXX Facility for 9 years and have had a family member commit fraud and stole my identity I have filed charges on her and I have proof stating I was not out to file any bankruptcys thats reporting on my credit please help me fix this problem and remove this information from my credit that was fraud and not me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies Experian, XXXX, and XXXX XXXX furnishing information in my credit report to the public without my written permission.
Product: Credit card or prepaid card

On XXXX my card was used twice. {$24.00} & {$72.00}. Both at XXXX On XX/XX/XXXX my card was then used twice again. {$290.00} & {$310.00} both at XXXX XXXX. 
On XX/XX/XXXX my card was used 7 times. {$13.00}, {$50.00}, {$42.00}, {$24.00}, {$31.00}, {$39.00}, {$120.00}. 
On XX/XX/XXXX my card was used 2 more times. {$36.00} ; & {$9.00} To note here I have never charged more then 2 charges in one month. I have never went over 10 % of my balance. Here the repeated charges pushed my balance to XXXX dollars over the limit. This has been reported to the credit bureau. 
On XX/XX/XXXX I called Avant a webbank affiliate to declare my card lost stolen. And to report the charges in Dispute by me. These charges were not made by me or anybody I know or even with any knowledge these charges or this was going on.. A third party vendor hired by avant made a case and I was told to wait 5 businesses days and someone would contact me. No one ever did. On XX/XX/XXXX I called in to avant to ask why no one has called. I was then told the issue was re-escalated and I had to wait 10 business days for contact. I received an email stating if applicable preliminary credits would be applied and I would only be contacted if need be. I waited those 10 business days. Once again I called after the date, and asked what was going on and why credits have not been applied. No one can ever answer anything. The call center has limited knowledge and can not transfer a call to fraud even if they wanted to. So I. Allied everyday sence then. No one could tell me who was handling my case, why no credit was applied. No answer to nothing. Then on XX/XX/XXXX late in the day I seen preliminary credits. On XX/XX/XXXX those credits were taking back. I called to ask why. I was told I was found responsible for the charges. How? Why? What happened to only reaching out if more info was needed by avant from me. Avant wouldnt even know if I had a police report. They never asked. The never asked if I called vendors and got any photo or camera footage. Avant has left me completely in the dark. Avant has also lied to a XXXX  complaint answer. When I activated my card its clearly says zero percent liability. By federal law, I am only entitled to pay 50 dollars. Because the card was used In Person not online. Avant refuses to discuss this personally with me. Because they know they are doing a wrong. On top of this I am trying to rewrite my equity line on my home in which I have XXXX children. I now have to wait until I can clear this up to do that. To note in the three months before this fraud happened I used this card once.
Product: Bank account or service

Wells Fargo Customer Service Account : XXXX XXXX XXXX, last XXXX Soc-Sec : XXXX Email : XXXXXXXXXXXX Subject : Two-factor authentication using Text message code sent to mobile phone in USA. 

I am XXXX living in XXXX with XXXX mobile phone number. 

I ca n't use Wells Fargo two-factor authentication without calling Wells Fargo customer service and going through a inconvenient and exasperating I.D . process of giving account & debit card numbers including Soc-Sec number. 

I do n't like giving account numbers over the phone which could have security issues. 

Why ca n't Wells Fargo send two-factor authentication text code to my mobile phone in XXXX? 

Or send text code to my Email address or XXXX XXXX? 

Finally, there must be thousands of XXXX living in foreign countries that have the same problem ( no USA phone number ) as I do with Wells Fargo 's two factor authentication text code online sign in. 


Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2024 Open Company response is in progress as of XX/XX/2024. Experian have falied to adress this issues and this problems still make negative impact in my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( CAPITAL ONE AUTO LOAN -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit card application was. Made by someone using capitol one I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report 2 bankruptcies that they claim to have verified but this is not true the vendor they use known as XXXX stated that the bankruptcies were removed due to them not verifying the information. This is my final attempt to get each consumer agency to turn over the proof they have or remove both of these bankruptcies failure to do so this is legal notice needed by the courts to let you know I will be pursuing my claims in court.
Product: Debt collection

I received a non-specific medical bill from XXXX XXXX XXXX in IL ( my acct # XXXX ) for around {$1200.00} in XXXX of 2022 - it read office " office visit '' or something like that. I knew I had not been in the XXXX area for any office visit - I live in XXXX XXXX, MO. 

Long story short, I was on vacation when the bill arrived and subsequently got sick with XXXX, so it was several weeks before I addressed the bill. 

I thought the bill was bogus - a scam - they said on the bill that the fee would LITERALLY DOUBLE if not paid within 30 days, which I thought was a ridiculous, high pressure tactic to scare some people to pay a bogus medical bill. 

I checked with my employer and they said they thought it may possibly be a legitimate bill of some sort, so I called the XXXX XXXX XXXX billing and they explained that this fee was actually for XXXX that a doctor of mine did, in fact, order. They pressured me to immediately pay or pay DOUBLE if the invoice was not paid within the 30 days. I told them I would not immediately pay, but that I would mail a check within a day or two after confirming with my doctor and my insurance carrier that the bill was, in fact, legitimate. 

After verifying that this was a proper bill from doctor and insurance carrier, I immediately mailed the check and paid the invoice in full. They probably received the check within 40 or 45 days, rather than the 30 they were demanding.

Since that time, I have received literally hundreds of phone calls from two different collection agencies attempting to collect an additional {$1200.00} - literally DOUBLE the original bill.
Product: Checking or savings account

My money XXXX  account was locked on XX/XX/XXXX and I was asked to provide documents to verify my account randomly. I did so immediately on XX/XX/XXXX. I was told it would take XXXX to XXXX business days I have yet to be able to access my account and customer support doesnt give me any answers to whats going on, I have pending deposits into this account and if they get rejected that will be a very big issue.
Product: Money transfer, virtual currency, or money service

XX/XX/year> at XXXX : XXXX pm I paid XXXX dollars cash to $ XXXX for rental property in XXXX il it wasn't the right account I requested for a refund because the account was not the correct person to receive the payment. My cash app is $ XXXX and I was thinking I was paying the correct person but they impersonated the actual rental agent and landlord. They used Government websites and fake accounts to obtain my cash and I didn't receive any at all. In illinois the consumer law Regulations E I am entitled my money I believe XXXX XXXX is hard to get information from employees or to get corporation addresses
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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked Bridgecrest to please remove that XXXX late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i am filing a complaint for error on my credit report from XXXX, Experian, XXXX  so i want the items removed and deleted from my report or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that my personal information be updated/corrected on my consumer report by " EXPERIAN '' XXXX which they still continue to report addresses I can not receive mail or correspondence nor do I have access to any of these addresses. I have not received any information on this situation. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy. Not granting me my rights is in violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX This Information is Incorrect. Please remove this inaccuracy from my report XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a XXXX credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise Trans union, XXXX, and XXXX to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED XXXXXXXX -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment incorrectly reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure all information reported about me is accurate. I request that you investigate and correct the following discrepancy : Account with Late Payment Discrepancy : Creditor Name : Capital One Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have consistently made timely payments, and I believe this late payment notation is an error. I was not notified by my bank within 30 days ; I received the information upon checking my credit report. 

According to FCRA ( 15 U.S. Code 1681s-2 ), creditors must report only accurate information. Please provide documented proof verifying this late payment, or remove it from my record immediately. 

Please investigate this matter within the legally mandated 30-day period and update me with your findings. If you need any additional information from me to proceed, feel free to contact me at the details listed above.
Product: Checking or savings account

To whom it may concern, On XX/XX/2010 around XXXX XXXX I went to my SunTrust Bank ( XXXX, VA branch at XXXX XXXX XXXX XXXX to deposit the money collected by my XXXX years old son over one year to buy his own laptop. The money were {$470.00} in cash and {$93.00} in coins. The bank door was closed due to Covid-19 so we went to drive through that was open at the time. I sent the {$470.00} and half of the coins ( i.e. they were heavy ) in the tube and told the teller that I am going to send him the rest of the coins in another tube in addition to my ID. The teller asked that I come inside the branch, better than using the tube system. 
My son and I went inside and started working on the coins to be put on the appropriate coins paper rolls. I had to leave the bank to pick up something else from a nearby store and asked my son to complete the deposit. I came back in 10-15 minutes and called my son to come out after he finished the transaction. My son didn't have the deposit receipt and when I asked him, he said the teller told him that you will see your deposit on line after a few minutes. 
I checked my account on line and there was only {$93.00} deposited ( i.e. the coins only ). So I called the teller to ask about the {$470.00} cash, he said that he didn't see them and he will check his drawer and get back to me. I had to call him again to find out that he didn't find the money as he claimed. I called his manager as well and customer service and filed a complaint to investigate their Camera system hoping to find a resolution but I have not heard back from the bank as promised by its manger. After a few days, I called the bank 's main headquarter in XXXX, GA and filed another complaint. Three and a half weeks later there is no definite answer or a timeline that this issue could be resolved. I am really upset and frustrated from the way this bank is treating me and how they are handling this issue in a careless and not timely or professional way. 
I am hoping that your bureau can assist with this situation. Thanks